vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Greetings, On XXXX, l requested a modification, due to being effected financially by regards to XXXX, and attempting to return from forbearance with balance {$94000.00}. I was approved for a trial payment starting XXXX, 2021, over {$4200.00} dollars .... l called loancare customer service requesting a lower payment because of my current issues : taxes, home renovation, medical issues, absconding tenant and pending lawsuits... The customer service REP. Suggested that l request, my Right to Appeal, that they should be open minded because of Pandemic, possibly to : extension of term, placing outstanding balance at end of loan, or lowering interest rate. I exercised my right to appeal and submitted the proper paperwork before XXXX, however never received notification regarding process/ruling until l called for update. I was then told ( disingenuously ) l missed my trial period, my Appeal was forwarded to XXXX XXXX and denied further, if l wanted help at this point submit all modification paperwork all over again.. l requested why wasnt l notified of Appeal procedure/deadline, and can l attempt to make prior trial payment, the response was, NO. It was too late nothing she could do and laughed... .l am now expected to make the full payment they even charged me late charges during this forbearance period NYS Foreclosure/Forebarence Moratorium ends XXXX. So, on XXXX, l submitted another modification package as instructed. Two modifications and one Letter of Appeal, cant believe this treatment its horrible... There are three different companies involved : LoancareXXXX . What kind of treatment to clients is this during this Pandemic... .l have a long term relationship with this home and plan on continuing .....

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 2022-01-05 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX and I would like to understand why? it takes seven days to clear a check. First, let me start to explain as to what has happened. On XX/XX/2021, I deposited a check into my Bank of AmericaXXXX Small business account. The check was issued by XXXX XXXX XXXX, their endorser of their check is XXXX XXXX XXXX.  When I made the deposit, I asked the clerk, will the check clear by tomorrow? He said to me, there was NO Holds on the check. Then by XXXX the same day, I am getting a notification from Bank of America , that the check will be placed on a 7-day hold. The next morning on XX/XX/2021, I spent two hours on the phone trying to find out as to why the hold was set in place. I finally get the answer to my question when I spoke with a XXXX XXXXXXXX Check Verification Specialist who stated to me that XXXX XXXX found issues with the check, but wont clarify as to what issues there were. Then I contacted XXXX XXXX XXXX  I spoke with a young lady by the name of XXXX XXXX. I sent her a copy of the check and she even try to speak with a Bank of America representative, but she couldnt get through. XXXX XXXX could have easily verified the check, but nobody on my bank side could even answer the call. Plus, she said to me based on her computer system on her side she sees NO issues with the check. But yet still I have to wait 7-days, No, I dont think so. I believe the Bank of America should make this up to me by joining me tomorrow on a telephone conference with myself and XXXX XXXX at XXXX EST tomorrow. So, I can have some type of resolution to this problem. I am looking forward to hearing from one of your representative tomorrow at 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 2022-01-05 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My balance on my XXXX statement was {$130.00} which was Due XXXX XXXX. On XX/XX/2021 I made a payment of {$1600.00}. The overpayment in the amount of {$1500.00} was to cover the XXXX bill of {$1500.00}. I was also charged a late fee and interest from the XX/XX/2021 statement. Late fee {$39.00}, interest {$34.00}. Total balance due for XXXX was {$1500.00}. I made the over payment because a representative from the company told me that the late fee and interest would be waived. Either way, the balance, if not waived, would be {$34.00}. I am now being charged a late fee for the XXXX statement because Capital One told me that I did not make a payment during the billing cycle. I made the payment in advance of the billing cycle by 1 day. I essentially paid them what was owed before it was due. They charged me a late fee stating that if I made the payment on XX/XX/XXXX, it would have counted toward the XXXX statement but because I made the payment a day early, it did not count. This is a crime. Capital One is stealing from the public using semantics to do their crimes. I paid them in advance and they are charging a late fee. This is a very small amount to file a complaint about. However, if this company is doing this to tens of thousands of people the amount of revenue they would generate is significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NC

Complaint narrative:
incorrect information, account not mine

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 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Upon submitting a complaint against XXXX for reporting negative information on my credit report, the company did an unauthorized hard pull on my report. Report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Recovery Service Incorporated
State: OH

Complaint narrative:
Pursuant to 15 US Code 1692, I was being harassed by XXXX XXXX XXXX with abusive, deceptive, and unfair debt collection practices. Most of which included an invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND THE CONSUMER. I have sent a correspondence in response to an email I received from World Finance on XX/XX/XXXX. Within that email they informed me that I owed an " alleged '' debt. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which World Finance clearly stated in the email they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, World Finance is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. World Finance has received my correspondence on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NC

Complaint narrative:
incorrect information, account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was in the forbearance plan program and before finishing they sent me a contract with all the details and the day that the payment was supposed to be resumed and I signed it and sent it, then the bank called me telling me that I could not continue with what What the contract said why I did not pay in XXXX and the very clear contract says that to start the plan the first payment would be in XXXX and before they sent me the contract a bank employee told me that my payment started in XXXX because they needed a month to do the paperwork and the contract says the same thing, I am trying to make them comply with the contract as I fulfilled and it has not been resolved I made the payment in XXXX and I still continue trying to fix the problem I call every day and talk with them and they look for more things not to worry about, I'm tired of trying to end this. thank you

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 2022-01-05 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: MA

Complaint narrative:
I left the USA in late 2016 and I paid all my bills and I closed all the accounts I had opened except XXXX XXXX. I just found out from my credit report that someone haked my information and open accounts that I have no knowledge about.

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 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CA

Complaint narrative:
The reason for this dispute is because Experian took more than 30 days to respond to my dispute on XXXX XXXX XXXX account and according to FCRA it must be removed. Attach to this dispute I am providing you with : - The letter I sent them on XX/XX/2021 - Return Receipt via USPS verifying they got my letter on XX/XX/2021 - Copy of my ID and Social Security to prove my identity. - Dispute Result letter I received from Experian on XX/XX/2021 given me results of another account that wasnt even on dispute totally ignoring the account on dispute

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 2022-01-05 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: Self Financial Inc.
State: NC

Complaint narrative:
account never late, company admitted fault in email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 

2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-05 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: NC

Complaint narrative:
account never late, company admitted fault in email

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NC

Complaint narrative:
account never late, company admitted fault in email

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 2022-01-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I asked that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-05 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: EdFinancial Services
State: GA

Complaint narrative:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions dating back to XX/XX/XXXX with XXXX XXXX XXXX. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$5900.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. I was recently informed that they have closed and sold my account to another debt collector, Ed FinanciaXXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with Ed Financial on the dates of 11/18/21 and 12/13/21. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Synovus Bank
State: CO

Complaint narrative:
I reviewed my credit card statement. I noticed on XX/XX/XXXX that there was an unauthorized transaction of {$110.00} posted. I called the fraud department and requested that I start a dispute of the transaction but I don't have any knowledge of the transaction. The transaction is fraudulent. I called and turned in a document that states I didn't do the transaction and I had to request to get a new credit card. Every time I call to get more information about the transaction dispute. I'm getting misinformation and not able to rectify the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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