vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: FL

Complaint narrative:
I tried to resolve an issue with XXXX XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during forberance where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those 3 late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from XXXX with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: ATG Credit, LLC
State: IL

Complaint narrative:
Medical bill originated XXXX with XXXX XXXX. Bill was sent to 3rd party for imaging. That imaging company should have billed insurance. The bill was then sent to a collection agency. The bill was immediately set up, upon notice, on auto renewal payments since XXXX XXXX. XX/XX/XXXX the debit card was renewed and changed. The creditor payment fell into the next month once updated new card information. They received a double payment. They reported my account for the first time as delinquent in XX/XX/XXXX. This bill was not on my credit prior to the month of XX/XX/XXXX. I was told that there was a new law in effect letting them place this on my credit because of the XXXX payment. They are unable to tell me what that law is. I was told it is not their job to tell me. This company is ATG credit. I had excellent credit. This has inflicted derogatory on my credit. Once, I had became aware that insurance did not pay the imaging and sent to ATG I began and have continued to pay. I do not work for the company that I carried the insurance with for this bill to have them fix it. I just want the derogatory information removed. I have been paying this bill. I have copies of bank statements. The company also admitted to me paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/XXXX, I received emails from Wells Fargo reporting changes to my phone number and email address. changes that were not requested by me. I am currently abroad, and I contacted the fraud service numbers. The person who attended me took my complaint and told me that he would block the management of the account via the internet and that I could continue using my debit card. For my claim they created an attention number. Then on XX/XX/XXXX I tried to use my debit card and it tells me that I do not have enough funds. Since then I have tried through the customer service numbers to give me information about the funds in my account and in XXXX  times that I have called the answer has always been the same ( you have to go to a wells fargo agency and personally request the information ). I am a non-resident and I am waiting for a tourist visa which may take until XX/XX/2022. I feel totally unassisted by the bank with that answer and I want to know if I can get an answer through 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 explanation
Consumer complaint received 2022-02-28 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:
I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, one of the dates may be correct, but XXXX  others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. 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 2022-02-28 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: FL

Complaint narrative:
I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. Equifax shows XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, XXXX of the dates XXXX be correct, but XXXX others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have XXXX mortgages with Fifth Third Bank. I have been making all payments using their online banking system. Today I tried to login and was unable. I tried resetting my password but their website stated that I needed to call. I have called XXXX  times without being able to reset my password or regain access. Each time I have connected with a representative, I am told that I need to speak with a different group. During the transfer, a recording says that I am being connected to something like " fraud services department '' before being disconnected or given dial prompts that do not function. 

I am concerned for the security of my accounts and the initial agents I speak to refuse to help. They continue to insist I need to be transferred despite my explanations that the transfers don't lead anywhere. I don't know what to do. I want to know why my online access was taken away - especially if it was due to security concerns. I also need to login to make my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX a fraudulent account was opened under my name for installment loan through Acima Credit. The loan was for {$2800.00} with monthly payments of {$230.00}. On XX/XX/XXXX I received a negative alert on my credit report stating that XXXX payments have been missed. 

On XX/XX/XXXX I called Acima Credit to dispute the account and they were little to no help. They told me that they require a police report to go any further with it. 

I have placed credit freezes on my credit through all XXXX  credit bureaus. 

Acima Credit Fka Simpl XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: ID Analytics, Inc.
State: MA

Complaint narrative:
Hello, I am making this complaint to get false negative items removed from my credit report by the XXXX credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the XXXX main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXX XXXX  to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX  stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America over drafted my account XXXX times : attached are the responding withdrawal on XX/XX/2022, money was in fact regarded posted on that same day by XXXX  XXXX and funds became available on XX/XX/2022, i had called bank of America about this charges of {$140.00} successive over charge in {$35.00} to be rescinded because at the time they took the money, XXXX  XXXX posted {$500.00} to the account so there is no reason i should be charged {$140.00} over draft. 

Bank of America had now refuse to issue me the credit of {$140.00} and i am making a complaint about this charges as unfortunately can not afford this fee, i am requesting an intervention on this case Attached at is a pdf on this subsequent charge for over draft that should have be decline in one attempt but was subsequently allowed so i can pay the excessive {$140.00}, the bank should have decline successive overdraft i was incurring that day but decline to and also decline to make a refund when the money was already in the account, there is no reason the bank of America should be able to refund me the excessive {$140.00} in fees they claim i incur when it in fact bank delays between XXXX  XXXX and bank of America, the fault was never mine and i had explained this to the bank but the supervisor refuses to get the money resolved. 
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 monetary relief
Consumer complaint received 2022-02-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
I WILL SUBMIT MORE INFORMATION ON MY ORIGINAL FILING THAT WAS CLOSED WITHOUT MY RESPONSE TO THE COMPANY RESPONSE TO MY COMPLAINT. 

I HAVE MORE INFORMATION THAT I WILL BE SUBMITTING BY REGULAR MAIL. 
I AM CHARGED TWICE ON INTEREST ON MY ACCOUNT. ONCE ON THE " XXXX OF THE MONTH, WHICH IS CHARGED TO MY " CREDIT CARD '' WHICH IS TAKEN FROM THE BALANCE ON MY CARD. 
IF MY BALANCE IS BEFORE THE XXXX ( example {$130.00}, after the XXXX my account is charged {$44.00}, they take the money out of my charging balance, now it reads {$80.00} on my available credit charging ). THEN ON THE NEXT MONTHS BILLING I'M CHARGED " MORE INTEREST '' WHICH I PAY IN CASH WHEN I PAY MY MONTHLY CHARGE. 
HOW IS THIS RIGHT? OR FAIR? 
MY COMPLAINT 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 2022-02-28 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: VA

Complaint narrative:
Tried disputing company never got back and credit bureau would not fix item

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections is attempting to collect a debt that was paid on time more than a year ago. I have received a collections letter via USPS. This company is not available by phone and has no Internet presence other than a payment portal that has no mechanism to contact or dispute debt. 

The insular nature in the way this company operates is unfair to consumers. Particularly for those who want to dispute the debt. The dispute process needs to be accessible from multiple platforms in an effort to ensure accuracy and convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The mortgage company ( MrCooper ) failed to pay ( posted the payment late on a Friday for a policy expiring Sunday at XXXX AM, and it did not make it in time ) the XXXX XXXX in time and the policy elapsed. I had to jump in and pay to prevent the policy cancellation. I contacted MrCooper a week ago asking them to correct the amount and brought to their attention the insurance payment due date. I acknowledged the reception of my email. 

MrCooper purchased the loan from XXXX XXXX  last year and thay assure that all the information is updated and there no specific action from my side. Today I came to know that the Insurance company still has the old Mortgage company information. There is a serious flaw in this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The loan was/is for a XXXX  XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment. 

Problem # 1. The last payment was not taken automatically as the first 71 payments were.

The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment. 


Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate. 

The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for the Southwest Chase credit card when I was prompted to at checkout on Southwest 's website. The promotion was about a {$200.00} statement credit after first purchase, and then a miles promotion after spending xyz amount in the first few months. I was most interested in the {$200.00} statement credit, which shouldn't have an expiration date, according to the fine print. I got my card back in XXXX, paid the annual fee, but haven't had a reason to use the card until now ( booking flights ). I called a Chase representative to ask about my {$200.00} credit and she claimed I never had the promotional offer in the first place. I know this happens to a lot of people and I feel a little ridiculous falling into the trap, but for a company as big as Chase and Southwest, it seems absolutely ridiculous they can get away with this. I would cancel the card, but I don't want to ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I was the victim of a Zelle scam. A thousand dollars was stolen from my bank account without my authorization and my bank XXXX XXXX won't help me at all to refund my money. I did point out the XXXX law The Electronic Transfer Act but they completely ignored me. I feel extremely violated by everyone especially my bank that was supposed to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CT

Complaint narrative:
My house significantly increase in value due to the renovations completed on the house. The valuation done by local tax collection department and also a fair value letter that was sent directly by the mortgage company showed that the house almost doubled in value and thus XXXX dropped significantly. Thus, I've reached out to the mortgage company in the beginning of XX/XX/2022 asking to remove PMI. The request is still with the mortgage company with no progress. I also can not get information on what is the reason of the hold up and by when this is going to be completed. Every time I call- which is weekly, they keep moving the date by when they expect this to be resolved. The request has been expedited XXXX weeks ago, but this did not seem to help. Meanwhile I keep paying PMI and I no longer should be paying.

Company response to consumer: Closed with explanation