vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Good day I am contacting you to report XXXX XXXXXXXX credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with XXXX XXXXXXXX then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!

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 2021-05-26 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: NJ

Complaint narrative:
Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company XXXX XXXX XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this XXXX  which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in XXXX and the XXXX  XXXX my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NC

Complaint narrative:
Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates : XX/XX/2021 - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail pointing out FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXXXXXX XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX  XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX  XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXXXXXX XXXX, Idaho. They informed me that my credit scores have dropped over a XXXX  points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX  for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

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 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was access, identity was stolen, my personal information was changed, and my money was spent without my permission. I was on the phone with the Chime fraud department while two transactions were processed using my card information at a XXXX XXXX in XXXX, while I live in XXXX. 

I contacted Chime about the issue and they cancelled my account, refused to reimburse me for the money spent from the account, and also flagged my social security stating that Id never be able to do business with them again. 

I would like my money back and an explanation detailing why due to a security breach on their end I am being blacklisted from their services. I have had this account for over 3 years, and the fact that they terminated business with me due to no fault of my own is concerning and a bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: U.S. BANCORP
State: ID

Complaint narrative:
Regarding my recent Visa dispute amount of {$8400.00} for the lack of results of XXXX XXXX : USBank closed my dispute because it wasn't in the the 60 day timeframe from the XX/XX/20 transaction. The doctor kept telling me to " Wait and see another month, it may look different ... '' each time I contacted him. So he pushed me to wait 6 months, meanwhile, he probably knew the time limit to file a chargeback is apparently 60 days with Visa. 

By the time the doctor finally said, " No, there's nothing more I can do for you, '' it was 6 months post transaction. I had to get the XXXX redone and will likely need one more this year on my XXXX XXXX to look normal again. 

I feel duped not only by XXXX XXXX, but also by the these credit card companies that claim to protect you from poor quality service. How can they protect issues like these when the time limit won't cover " healing time '' requirements by surgeons? 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to TransUnion to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of TransUnion nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to Trans Union or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.

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 2021-05-26 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: KS

Complaint narrative:
I have sent numerous letters to XXXX XXXX and Equifax regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXXXXXX XXXX and Equifax are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXXXXXX XXXX, and Equifax continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX Equifax, and XXXX I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I have previously received an attempted debt collection from the company Sequium Asset Solutions LLC in regards to our equipment that was provided for XXXX XXXX. We cancelled our service for XXXX XXXX, paid a cancellation fee and returned all the equipment. This was over a year ago and now I am receiving additional letters from this company trying to collect this debt saying that the equipment ( tv boxes ) for XXXX XXXX were not returned and this is a fee for the collection of the equipment. We already submitted the receipt from XXXX XXXX or XXXX ( forgot which one ) of the shipping label that confirms the equipment was returned because the lady at the shipping store advised we keep the receipt as this kind of tactic is used often. I'm sick of being harassed by this company for money that is not owed. Please put an end to this as now I have a debt that's affecting my credit score for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

On XX/XX/2020, I sent a letter to Experian explaining that I never gave them written consent to report anything on my consumer report which I never have nor can they provide any record of me doing so nor have they responded, therefore under 15 U.S. Code 1681b, this is deemed as identity fraud considering I've never given them any written consent to report anything on my consumer report. They are also reporting false and misleading information which is harming me and my reputation as a consumer. Not only are they reporting false information, but they also have social security numbers associated with my consumer report that don't belong to me.

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: ID

Complaint narrative:
In XX/XX/XXXX, I sold my home that had a XXXX  alarm system. Due to illegal practices of alarm company, I quit paying the monthly amount several Months before home sold. XXXX has been removed off my collections account once due to them charging me for A system I did not have access to. InXX/XX/XXXX, a company sold the debt to Mountain Run Solutions saying I went delinquent inXX/XX/XXXX. Thats impossible because I hadnt paid them since XXXX. I can not get anyone to give me an original date of delinquency nor are they reporting the original date of delinquency on any of my credit reports. I believe they are illegally re-aging my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: GA

Complaint narrative:
I paid $ XXXX in arrearages and got approved for a loan modification. I received a letter from Guild Mortgage Company stating that my Escrow was short and it was short because out of the monies they received they only put in {$1.00} for my escrows monthly. Even though all of the monies that was requested was paid, Guild Mortgage didn't allocate the correct amount to my escrow account which made me short and my payment increased outside of approved loan modification amount I was approved for. 

I need someone to go back into the account and apply the accurate amount of funds to my escrow in order for the insurance and taxes increase to reflect the correct amount of around {$44.00} and not the XXXX and something it is showing that I am short for.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez - Shellpoint Mortgage reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There were two attempts on XX/XX/2021, to debit my checking account for the amounts of {$320.00} and {$300.00}, to XXXX XXXX XXXX XXXX in XXXX Georgia. My bank is aware of the fraudulent transactions. This is the second attempt in that area to debit my checking account.

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