vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, XXXX and Equifax make it exceptionally difficult to access your report. XXXX gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from XXXX and Equifax through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that XXXX and Equifax are closely aligned on their individual sites, and with XXXX XXXX. XXXX initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from Equifax even though they said they had already given it to me. Now, the only way I can get a report from XXXX and Equifax is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that XXXX and Equifax intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At XXXX, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
We canceled our phone plan in XX/XX/2021, after moving to an area where we were " guaranteed '' service and finding out our brand new hotspot and cell phone service was useless. It is evident from the bills that we had not used any data ( because we had canceled and therefore believed our account was closed ) and have all the tracking numbers to the devices that were sent back, after waiting months to receive the shipping kits to return the XXXX devices. Now neither XXXX nor IC Systems have sent us anything to notify us of the debt nor of the impending report to the credit bureaus. We only found out about the collection when it hit my credit report, and although XXXX confirms they have received the devices, IC Systems refuses to concede that the debt is faulty and 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 2022-01-17 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: NY

Complaint narrative:
XXXX I made a complaint with CFPB on XX/XX/XXXX and this information is still on my report. The XXXX account has many inaccuracies but comes back verified and updated. It is missing payment history as well as the ND shows in one of the data files. I've been disputing this account since XXXX, I provided what the account looked like on my credit report in XXXX and the account has been updated and verified and is completely different. It shows that the source for verification is unreliable. I have asked Experian to provide me with the source of where they are verifying these accounts and they failed to do so. 

The account was allegedly open in XXXX and there are no data fields for XXXX represented on the updated and verified 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 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter from American Coradius International LLC, informing me that my XXXX account was placed with their office for collection in the amount of {$440.00}. A payment plan was set up over the phone for scheduled monthly payments of {$64.00} beginning XX/XX/XXXX. These scheduled payments continued until XX/XX/XXXX. 
I place a phone call on XX/XX/XXXX to verify if amount has been paid, and if there will be a refund offered for the over-paid balance. They responded and said, " They longer had access to the account, it was sent back to XXXX XXXX and they have no record of sent payments. I still owed {$440.00}. '' To confirm this, I called XXXX to verify sent payments and the unpaid amount on the closed account, they said they haven't received any payment and I still owed them {$200.00}. Upon learning this information, I reached back out to American Coradius International LLC, they responded, " the account did not exist ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
Signed up for Chase Southwest Rapid Rewards credit card on XX/XX/XXXX. Inquired about the statement closing date and was told it would close 1 month after opening on XX/XX/XXXX and at that time any points that I accrued during the statement period would be sent to my SW Rapid Rewards account upon statement closing. 

Due to customer service misinformation, the statement closed in XXXX and the points were sent to my Rapid Rewards account in XXXX, effectively not counting towards my XXXX points accrual. I called in and was told the points with be revoked and re-issued so they would count towards my XXXX points accrual. Again, I was misinformed as this did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have put my report on freeze and fraud alert.. the company still keeps adding and allowing hard inquiries, that I did not authorize. I told them a thousand times I was victim of identity theft. Yet they keep passing my report around illegally. They refuse to properly investigate all my disputes, that should not be on my report. And they refuse to require all information in closed accounts, therefore reporting negative information illegally. I have disputed all accounts and said all detail information about accounts must be presented,. They refuse to delete accounts. I have been disputing the inquiries and negative accounts for years. Only to be ignored, they ignore my need for credit freeze and fraud alerts. I want to take highest action against this company, they only hurt people 's life 's and should be disappointed to the highest degree.

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 2022-01-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Visa card, After raising a dispute on a transaction, Chase/Visa first waived the charge on my account. 
But before presenting me with any documentation on what the seller had to say, and giving me a chance to respond, Chase/visa has put the charge back on my account. 

In this specific case, I had booked a hotel for couple of days on XXXX and within couple of hours decided to cancel the booking. I tried reaching a human customer care representative and I couldn't find anything on their website to that end. The bot kept advising me that the cancellation depends on the hotel 's cancellation policy. I tried calling them multiple time and even wrote an email. Their phone is not functioning and no one responded to my email. There was no way for me to contact anyone on either XXXX and XXXX XXXX near XXXX. 

XXXX said that the hotel had charged me for a no-show which is first day of the total booking. But Chase/Visa decided to put the full charge of the booking on account without providing any notice of the dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Noticed this was on my credit today XX/XX/17. Called them immediately to handle it, they had an incorrect address on file and I requested they pull it off my credit for 30 days to give me the chance to pay it without it damaging my credit. In response they cited the Fair Debt Collection act and said they would not do so. The Fair Debt Collection Act also tells them they have to provide written notice to me, which they failed to do since it was an incorrect address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was a couple days late on a credit card. I couldnt log in so I called the credit card company spoke to an associate that told me if I paid card off in full that theyd wave the late fee. I done as they asked. I received a bill for only a late fee 2 Months later stating it was double {$70.00} plus charged me interest on the late fee. I done as they asked. I still had to pay this to get my account cleared up. However, the associate did knock off some of the $ and they reported me for late fees and interest not any kind of purchases I made after I was told the late fee would be removed if I paid my bill in full as I did. I will never use this card again. They are desperate and hard up to lie to me to get me to pay my balance and still put me as late on my credit report. They are the only late credit card on my credit out of about 12 credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Hello my name is XXXX XXXX. For the last XXXX years I have received an bill for escrow shortage for my loan. The first one on XXXX was less then XXXX and they raised my loan {$200.00} with a payment of {$800.00}. In XXXX I received another shortage of escrow for XXXX which raise my bill {$750.00}. I sent a payment for the escrow on XX/XX/XXXX for the amount of {$5800.00} even though I do not understand the shortage and their online payment history is not clear on were the payments are being allocated to. I call and spoke to a rep that informed me that the check that was sent for an escrow payment went towards payment for the mortgage. When I ask why they allocated my funds to something other then what was specified she replied that a full payment had to be sent to go toward escrow. The phone then disconnect and I was not reached out to again. I then emailed them to have it documented and called again and asked to speak to a Manager. The manger told me she would have the escrow payment fixed but could not fix the payment for XXXX. Now it is XXXX and my payment show again {$2600.00} owed. I dont know what else to do and I can not afford a payment this high. The reason I purchased a home is to have a stable amount to pay. I went from {$1700.00} when I closed to now {$2600.00} that seem extreme to me. Can you please help. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
TELEPHONE NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE STOP ALL THESE SPAM CALLS WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003 2003

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
Atlas credit, XXXX, Va, XXXX XXXX, came to my job to collect on a debt, it is very embarrassing and causes disruption at work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I Disputed a Scam charge with Bank of America credit card, they send me a letter stating to send more information, the letter was dated XX/XX/XXXX to reply until XX/XX/XXXX in which the letter was delivered to my address, two days after the reply date. I called Bank of America right away and explained all the situation and they put the balance back in my account the agent told me that it was normal and I do not need to pay until the case was concluded, I asked for an extension, more extra time and all the agents that I spoke told me that I have 10 more days in which I sent all the information requested on XX/XX/XXXX USPS tracking number XXXX Delivered, Individual Picked Up at Postal Facility XX/XX/XXXX at XXXX am, XXXX XXXX, TX XXXX. I called many times and asked about the case because the amount of 1050.00 still due in my account. I received a Letter dated on XX/XX/XXXX in which was received XX/XX/XXXX, stating that it was outside the timeframe, all customer service agents were transfer to each others, stating that I have to call a different departments, providing wrong information and inexistent phone numbers. I asked the last agent to speak with the supervisor with no avail.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have reached out to Hunter Warfield with a credit repair agency. On XX/XX/2022. We informed Hunter Warfield we sent a letter for debt validation and they didnt respond within the timeframe permitted by law. I did ask on the call if they can provide proof of debt and also why are they adding interest to the debt and they failed to offer an explanation also Hunter Warfield advised me they will submit a dispute on their end but didnt provide me with a timeframe when it will be completed. Hunter Warfield told me they will let me know when they get ready. I found this company to be very unprofessional, aggressive and very threatening. Hunter Warfield please remove the invalid debt from all three of my credit reports, your company have cause stress on my lively hood and affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
NOTICE TO RECORD MORTGAGE SATISFACTION PIECE TO AVOID PENALTY Date of notice : XX/XX/XXXX To the mortgagee named below : The party issuing this notice believes that the mortgagee of the mortgage described below has received full satisfaction and payment of all amounts secured by the mortgage, including any applicable satisfaction fee ( XXXX**the party is able to record the satisfaction in their locality and is therefore requesting that the satisfaction be sent to them ), and that, where applicable, the mortgagee has been instructed in writing, effective as of the date and time of receipt of the mortgage payoff figure, to close and decline any further advances on any open line of credit which was secured by the affected mortgage. The party issuing this notice hereby requests that the mortgagee issue and present for recording a satisfaction piece concerning the mortgage or provide a satisfactory reason why the mortgage should not be satisfied to the party issuing this notice. If you do not comply with this notice, you may be liable for penalties and costs in accordance with the Florida Statute 701.04 ( 2 ) known as the Mortgage Satisfaction Act, or the party issuing this notice may be able to satisfy the mortgage without your consent. 
Name of mortgagor : XXXX XXXX, XXXX XXXX Name of mortgagee : SunTrust Mortgage , Inc . 
Name of Servicer : SunTrust Mortgage , Inc . 
Name of ( original ) mortgagee : SunTrust Mortgage , Inc . 
Name of last assignee of record : SunTrust Mortgage , Inc . 
Date of mortgage : XX/XX/XXXX Amount of mortgage : {$530000.00} Recorded in XXXX XXXX, Florida, Instrument # XXXX, Book XXXX, Page XXXX recorded XX/XX/XXXX Brief description of premises covered by mortgage : Property known as XXXX XXXX XXXX, XXXX, Florida XXXX Mortgagee loan number ( if known ) : XXXX Name of party presenting this notice : XXXX XXXX, XXXX XXXX XXXX Address of party presenting this notice : XXXX XXXX XXXX XXXX, NJ XXXX Telephone number of party presenting this notice : XXXX Additional Information : See attached XX/XX/XXXX screen shot from SunTrust Mortgage , Inc. showing zero balance

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 2022-01-17 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: NJ

Complaint narrative:
This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-17 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Checking had {$450.00} unauthorized withdrawn. Upon calling bank I am waiting on transaction to post to refund instead of stopping the pending unauthorized payment.

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 2022-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I recently requested a 30 day quote to purchase the XXXX  XXXX XXXX from the current lease I have on it. I requested a quote to purchase it as an individual and as a company as I own two auto dealerships. Ally Financial quoted me {$33000.00} to purchase it as an individual and {$55000.00} to purchase it as a dealer. I believe this is completely unacceptable and in violation of the lease agreement. I shouldn't have to pay more to buyout the lease just because I own an auto dealership and I'm wanting to purchase through the company I own. I would like to come to an amicable resolution so that this does not get escalated to the XXXX XXXX XXXX XXXX Court system.

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 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief