vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Capital Accounts, LLC
State: WV

Complaint narrative:
I had a dental bill in XX/XX/XXXX for approximately XXXX. I had 2 insurance carriers on file with the dentist and followed up in late XXXX to ensure the bill was taken care of by the insurance carriers. I was told at that time it was paid in full and no other payment was required. I never heard from the dentist again. Without any correspondence, I received a call from Capital Accounts LLC in late XXXX notifying me I had a XXXX debt with the dentist office. I let them know that account was paid in full over 2 years prior to their call. They refused to provide me documentation of the charge or the insurance payments and have continued to update the credit bureaus with the delinquent charge. I switched jobs and relocated and have different dental insurance and have had difficulty getting information from the previous dental carrier since the service provided was so long ago. Capital Accounts LLC again updated the credit bureaus this month of the delinquent charge making it look current. I don't see a way to get this resolved and do not intend to make payment for old unsubstantiated charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
From XXXX, my XXXX XXXX XXXX XXXX account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current Equifax report, those derogatory payment reports from XXXX remain. I disputed this situation with Equifax ( attached Dispute # XXXX ), but received a response saying that the XXXX  XXXX XXXX investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to Equifax, and I assume, then forwarded to XXXX  XXXX XXXX - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
From XXXX, my Bank of America HELOC account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current XXXX  report, those derogatory payment reports from XXXX remain. I disputed this situation with XXXX ( attached Dispute # XXXX ), but received a response saying that the Bank of America investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to XXXX, and I assume, then forwarded to Bank of America - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.

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 2020-12-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank serviced my home loan until I refinanced in XX/XX/XXXX. Closed escrow and signed documents on XX/XX/XXXX. Notified by title company that annual tax bill was included in closing costs and that M & T Bank would be sending me balance of escrow/impound account ( between $ XXXX {$1900.00} ). M & T Bank the paid the taxes 3 days later using escrow/impound funds, told me that I needed to contact my countys attorney authorities to initiate return of funds. To date I have not received return of escrow balance and conformed with tax authority that funds for tax payment was wired on XXXX almost 30 days after signing documents with title company. Customer service has been unhelpful and provides wrong and conflicting 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 explanation
Consumer complaint received 2020-12-24 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: CO

Complaint narrative:
On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX, Experian, and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX, Experian, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.

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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/20 I sent a dispute letter to Transunion, XXXX, and XXXX  to inform them of account XXXX XXXX XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX and XXXX to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to Transunion, XX/XX/XXXX, XXXX and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.

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 2020-12-24 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: CO

Complaint narrative:
On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX XXXX  XXXX. letting them know this account was paid in full prior to charge off. The status should reflect paid in full not charge off or the collection and to please update by removing the inaccurate information on my credit report. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX and Equifax to inform them of account XXXX  XXXX that this account has substantial errors that must be fixed. Please verify all its parameters as appropriate and delete if unverifiable, and provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Due to payment being paid down to a balance is XXXX prior to being charged. This needs to be removed at once. 


On XX/XX/20 I sent a dispute letter to XXXX XXXX, and Equifax to inform them of account XXXX XXXX. This account was paid in full prior to charge off. The status should reflect paid in full not charge off or collection. This needs to be removed at once. 

On XX/XX/20 I sent a dispute letter to XXXX XXXX, Equifax and XXXX to Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries. I still have not received anything in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had leased a XXXX XXXX XXXX and the bank is US Bank acct # XXXX The lease was due in XX/XX/XXXX and at that time I was unable to get a new car lease ( lack of option due to lack of production due to Covid ). I called US BAnk and went over th extension options. The options given were either month by month or a 6 month extension. i choose the month by month option as I was hoping to get a new vehicle sooner than later. Each month I would call ( each call took 30 minutes as their customer service stinks and bounce you from department to department ). I would tell them that I needed to extend and would pay by phone. They mysteriously charged me tax again on the lease each month. 

Now that I have turned in my vehicle I have received a letter stating that the lease is in default and I only extended for 1 month. I am currently on the phone with them going on 1 hour, again being transferred from department to department. I am being told that there re now lease termination fees and because the lease has not been extended I know need to pay additional for all the excess miles. 

I have paid 5 additional months, on time, since the end of the lease as I have been instructed to do each month.

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I was advised when I got this card that the cycle date was the XXXX  every month. I called in multiple times because there is no app and the statement date kept changing. The representative assured me that my cycle every month the rest of the year would be the XXXX. This month, during the holidays, Im hit with a XXXX bill almost because I went shopping for XXXX  dinner items and gifts after the date my statement was supposed to cycle. This card is paid in full every month due to it being my main home card. All of my house bills and food go on this card. The representative I spoke with initially gave wrong info and the supervisor I spoke with today advised he could not give me the billing cycles for the 2021 year because you do not release those to customers. That isnt internal or proprietary information. Thats withholding information pertaining to my account. I work for a major XXXX  XXXX and we have to provide that if a customer asks for it. How can you expect your customers to accurately budget if your agents can not simply tell them or set a due date. The rolling 72 hour period the supervisor spoke of should not effect the date my card cycles and the charges should be placed on the cycle they were charged on based on the date and time the charge comes through. That should remain unchanged that way I as a consumer, can plan my bills accordingly every month. Bait and switching your customers is absolutely unethical. I signed up for this card for the rewards and switched from XXXX  XXXX. I never had this kind of issue with them. I have multiple major cards and not one of them has a variable cycle date. I am very much considering cancelling this card and going to a reliable institution that can answer a simple question pertaining to my cycle date and doesnt withhold account specific information that I as a consumer am entitled to. Based on the customer service Ive received, I understand why customers would rather not do business with synchrony. This entire situation has been a joke and never shouldve occurred.

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 2020-12-24 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: PA

Complaint narrative:
I have two negative items on my account that Equifax took points away from me for one is XXXX XXXX  two is XXXX  I did not close these accounts and I would like to have my points given back that they took from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
Dear Sir. : I am writing this letter to file a complaint. My Aunt XXXX XXXX opened a credit account with XXXX XXXX in my name without my consent. I want the account closed, but XXXX XXXX refuses to discharge the account. They have sent the account to collections and may bill me in the future. The account number is XXXX. XXXX XXXX is my Aunt, and she is a retired employee of the XXXX XXXX XXXX XXXX. She does the XXXX  for my dad and others in our community. XXXX XXXX falsely claimed that I live with her. I do not live with her! She also claimed me as a dependent and collected a {$500.00} Stimulus Payment from the XXXX. In return, I did not get my {$1200.00} Stimulus payment. Only my dad can claim me as a dependent because he is my Social Security Representative Payee. He and I live together. He told me that he did not claim me as a dependent. 
XXXX XXXX are also billing me. I bought a XXXX XXXX. To get my online XXXX XXXX hooked up to my XXXX XXXX. XXXX XXXX attempted to bill me for XXXX. I do not owe them anything, and I want this billing to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am a victim of Identity Theft, someone opened a Chime Bank account using my information, I notified chime that I was a victim of Fraud. There were several fraudulent charges on this chime bank account, Chime responded from their customer service telling me that by me advising them that I am a victim of identity theft and that there was fraud on the account, they have determined no fraud occurred. They closed the account and put my social security number on suspension and " Violation Lists '' For reporting the fraud to the company. This is abuse of how fraud works, and how to handle fraud. They told me in a second email that they can't allow me to open an account ever there, or allow me to even access their websites or services because " I violated their terms and agreement '' By reporting the fraud. I do not believe that you should be accused nor told you are violating terms because you didn't open an account and told the company you were a victim of fraud. This seems almost abusive of what banks are actually supposed to do for fraud victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
How can I get XXXX XXXX XXXX XXXX to quit claiming my complaints are duplicate and explain and give proof why they had permissible purpose to access my credit report and why they refuse to send me copy of credit report used for loan # 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 2020-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-12-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I Applied for a loan of XXXX XXXX/XXXX/2020. I defaulted after being forced to change my bank. They reached out to advise me they will bring my amount up to XXXX then stated if I didn't pay they will bring it up to XXXX. I asked them why they are making it so high and they stated the other XXXX is credit reserved. They stated that is what I was approved for. I advised the m I did not want that amount. they said they know that's why the applied it as a credit reserve. This was reported as XXXX so far and has caused my score too drop by 50 points. I understand late fees but to add XXXX delinquent then what was used is crazy! I wouldn't to not mind paying what was OWED even fees but they have reported and XXXX balance difference and damaged by credit making ineligible for an apartment I needed to move to. They have already damaged my score an opportunities before I even had a chance to handle anything!

Company response to consumer: Closed with explanation