vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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 am a victim of identity and someone used my personal information without my consent to apply for credit at the following companies. The following inquiries need to deleted and removed from my Equifax credit report immediately or legal actions will be taken against your company : 1. XXXX XXXX XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX XX/XX/2021 6. XXXX XX/XX/2021 7. XXXX GDM XX/XX/2021 I have attached a copy of my police report stating to remove these fraudulent inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The companies involved are XXXX XXXX XXXX XXXX XXXX, Chase Mortgage and XXXX XXXX XXXX. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX XXXX in XXXX and sold the Chase Mortgage ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX I bought airline ticket with XXXXt also applied and was accept for credit card through Chase. I waited the 7-10 business days for the card and still have not received it. Ive tired to reach to Chase via there customers Service number with no information on my account I can't even get through and talk to an actual person. On XX/XX/XXXX I went to chase bank, at this time my ID is expired and can't even get any information from the banker. Now I'm stuck between waiting for my DMV date to get a new ID and not being able to fix what's going on. The Credit Card is also being reported on my Credit Report as closed. Im not sure what to do and I don't want my credit to be damaged because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: MS

Complaint narrative:
I sent a 2 requests CERTIFIED to both Experian and XXXX XX/XX/2020 and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice of delivered. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation

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 2021-04-07 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: MN

Complaint narrative:
XXXX XXXX site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system.

What a joke.

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from 2011 that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX XXXX. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
I paid a collection account off with XXXX XXXX credit card. Through their collection agency fbcs I was offered a settlement of {$1000.00} I paid it on XXXX through my bank. After I paid it ; I waited about a week or so. I then called fbcs regarding deleting XXXX from my credit report. I was told by a customer service rep they don't delete accounts from credit reports. They don't report to any of the 3 credit bureau, so I contacted XXXX. I was told that XXXX can't remain on my credit report if my account was sold to a collection agency. They can't do both it either or. I then contacted my bank to have the charges reversed since they wasn't going to delete the account from my credit report. I'm trying to do the right thing by paying something toward my bad debt account. I thought if the account was put in collection/ write off as bad debt they couldn't still report the account with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
I received a inquiry notictification for on XX/XX/2021 for XXXX 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
To whom it may concern, on XX/XX/21, I attempted to sends funds to my brother XXXX XXXX using the CashApp. I attempted to send 3 payments of {$500.00}, {$500.00}, and {$8.00} totaling {$1000.00}. However, my recipient, my brother never received the funds. I made several attempts to contact CashApp Support to recover these funds and received several emails as well as having several phone contacts with CashSupport personnel. All efforts to have my funds refunded have failed. Therefore, I filed a dispute claim with my financial institution, XXXX XXXX XXXX XXXX fraud department on XX/XX/21. My dispute case was denied on XXXX as this was considered a person-to-person transaction. I have attached the dispute denial letter I received today from my financial institution. I have repeated contacted CashSupport to rectify this matter and have followed all directions requested of me by the XXXX personnel. My most recent contact was today, XX/XX/21 and was told that their records show that the recipient had received payments despite having discussed this matter with my brother as recent as XX/XX/21. My brother vehemently denied that he had received payments from CaspApp. The CashSupport personnel agreed with my brother and stated that the payments may have been sent to XXXX, which I thought was ridiculous. The following are the many emails I received from Cash Support along with my response to those emails. I have also included a snapshot of the CashApp on my phone. Your assistance with this matter is appreciated. 
Mahalo XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chysler Capital is reporting incorrect information they have stated I have a 30 day late payment, my payment has never been late. I asked for a deferment which they sent me by email the agreement to sign which I did the same day and it was their error per a manager I spoke to on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
Received inquiry notification from Experian for a XXXX  XXXX XXXX Credit Card Inquiry date XX/XX/2020. I reported the inquiry as fraud as I did not submit an inquiry to XXXX for an application. I spoke with a XXXX representative who advised there was never and application placed however there is still a inquiry for XXXX remaining on my credit report. 

Please remove inquiry from my Experian 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 non-monetary relief
Consumer complaint received 2021-04-07 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: IL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA XXXX this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and Discover Home Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

XXXX XXXX  's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by Discover Home Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. XXXX has been servicing this loan since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: KS

Complaint narrative:
Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/21, I made a {$1000.00} payment to pay off my XX/XX/21 promotional balance to avoid interest posting. This would also have paid off XXXX promotional balances. The XXXX and XXXX promotional balances decreased to {$0.00} in my account after I made the payment. 

Two to three days later I decided to go online to select for my payments to be applied to an XXXX promotional balance. XXXX balances still showed {$0.00}. I got a message stating all future payments will be applied to XXXX promotional balance. This was good because it looked liked my XXXX and XXXX was paid off from previous payment so I did it. 

Home Depot took the previous {$1000.00} payment and applied to new selection for XXXX which made me have a balance of {$340.00} for the XXXX and {$570.00} for XXXX promotion balances which cause me to be charged {$180.00} in interest for XXXX. 

I called Home Depot on XXXX ( when I was finally able to open the XXXX statement, issue with it downloading ) and they said that the payment must not have been posted completely at the time I made the selection to apply payments to XXXX promotional balance, since it takes 24-48 hours for a payment to post. ( Even though it was 2-3 days later and the payment looked to be posted since my promotional balance said {$0.00} ). Even though payment date should have been day I made payment which was before allocation selection. Credit customer service gentlemen said there was nothing he could do and that he suggests not making payment allocation changes when a payment is pending since this tends to happen often. There was no warning about that in the payment allocation screens and the payment looked to be posted! 

There should be more warning about this known issue with their system. 

I have decided to close the store card since this is unfair practice and they knew it was an issue with their system. They were also unwilling to correct or discuss applying payment correctly. I pay my bills diligently and accurately. I was a loyal Home Depot customer and recently tried out their credit card service. I will never get a card with them again and am debating even being their customer.

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 monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I would like to file a complaint against Pen Fed Credit Union routing number XXXX. 

Pen Fed erroneously reported three thirty-day late credit card payments on my credit report for XXXX, XXXX and XX/XX/2017. I have made over 30 phones calls, multiple online disputes and in person meetings to resolve this situation. 

Because the payments were automatically sent via XXXX auto pay XXXX submitted proof of electronic payment directly to Pen Fed. XXXX even had a least two conference calls with Pen Fed to resolve this matter. 

The systems at XXXX are very automated and they were able to provide proof of payment and transaction IDs. XXXX also confirmed the payments were received by Pen Fed and not rejected. 

Pen Feds research appeared to be very manual. The response from Pen Fed has always been we dont see the payments or we must have sent the payments back. On several occasions I requested electronic documentation from Pen Fed showing that the transaction IDs were rejected, but Pen Fed could never produce documentation. 

It took so long for the issue to come to light because Pen Fed kept accepting the electronic payments. The electronic payments were removed from my account every month. Once Pen Fed received the payments it is their responsibility for misappropriating the payments. 

These were not payments that were mailed and lost in the mail. They were electronic payments that could be tracked by the sending institution XXXX XXXX XXXX. 

I included proof of electronic payment for every payment Pen Fed said they didnt receive. I continued to pay my monthly payments while this situation was being researched by XXXX and Pen Fed. Instead of being a good business partner, Pen Fed kept adding late fees on top of late fees during the investigation. 
Pen Fed never located my payments. I eventually had to file a fraud report with XXXX due to the misappropriation of my payments. 

Even though I repaid the payments ( I had already made ) and the payments were up to date Pen Fed cancelled my credit card while I was still reaching out trying to get my information updated. 

Not only do they have erroneous late payments on my credit report they also have Cancelled by grantor listed for the credit card. This only compounds the negative impact on my credit.

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 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Upon reviewing my credit report. I discovered Im being reported as 30 days late for XX/XX/2021. My payments are due on the XXXX. So that would mean XX/XX/XXXX is 30 days late. I take my credit very seriously and never missed a 30-day payment and uncharacteristic for me without prior arrangement. I will post receipts for payments made during the time period. Confused by this I contacted the creditor. Instead of correcting the mistake. It was stated I missed XXXX XXXX payment and that they're reporting correctly. According to my credit reports, I was current for the month of XXXX and XXXX I was also under the impression during XXXX since I'd been granted a deferment which i had for the prior months.. No notices were sent out to me saying otherwise as I was on FMLA and sent them proof as well. I'm a frontline worker and been put on leave for health and also bereavement due to covid and also emotional trauma of losing 8 family members from XXXX-XXXX. Both parents and my child had XXXX at the same time in XXXX. My father 's condition was touch and go for a while. This creditor is being unreasonable. Even after the payment arrangements were set up for future payments. As suggested. I was still marked # 0 days late. I disputed it with the bureaus and emailed the CEO. My report is also reporting different balances from my online account balance. My balance should state! XXXX and the wrong month for 30 days late. As a good customer and being affected by XXXX. This is hindering my homebuying process. I've hit a brick wall with them. Attached are some of the obituaries for my family.

Company response to consumer: Closed with explanation