vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft and have been for several years. In spite of this I have debt collection agencies who continue to put false inaccurate information on my credit report. These collection agencies have been given proof countless times on these false inaccurate collections on my credit report. They have removed and added them back on my credit report. They are in violation of the FCRA and refuse to provide original signed contracts that prove that the information is mine. I have given them documentation that supports my identity theft claim. They have failed to remove these false collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: SC

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME I AM ENCLOSING A LETTER OF EXPLANATION ON ALL OF THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America Credit Card website changed their sit payment options. As a consequence, I submitted a payment on XX/XX/2021. This resulted in late fees and interest being assessed to my card unjustly. 
I have submitted a help desk ticket with their IT department. However, the agents said that there is no way to apply the payment to XX/XX/XXXX, and since it was not paid on time, they can not waive the fees. Even though I was able to recreate the issue with the website multiple times, they said there is no way to credit the interest or late fees. 
It should be noted that there were {$720.00} in CREDITS the month of XXXX, so the {$1100.00} was in addition to these payments already made. I was actually paying a month ahead of schedule! 
I should not be held accountable to their inept website 's inability to apply payments properly. 
Operators were XXXX XXXX and supervisor XXXX XXXX ID 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 monetary relief
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
In XXXX of 2021, the consumer applied to creditor Citibank , N.A . ( through XXXX XXXX XXXX ) to obtain a line of credit/extension of credit. On XX/XX/2021, Citibank , N.A . denied the consumer 's application for credit extension. The consumer applied for credit with the creditor in an effort to afford service needed for a XXXX XXXX in which the consumer currently provides payment on a loan for.

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 2021-09-12 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM Financial is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
my address is wrong and previous addresses do not belong to me please correct them according to the letter enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I received a letter on XX/XX/21 from XXXX XXXX XXXX XXXX saying that I owe {$1300.00} on my PayPal account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. XXXX XXXX XXXX XXXX is requesting that I make the payment directly to them ( instead of to PayPal ).

I contacted PayPal and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to XXXX XXXX XXXX XXXX, as they believe it is fraud. 

I believe the letter I received from XXXX XXXX XXXX XXXX to be fraud/scam or a case of identity theft and do not plan to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b Trans Union is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b

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 2021-09-12 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: PA

Complaint narrative:
XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b Equifax is in violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THERE ARE WRONG NAMES AND ALAIS NAMES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED

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 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Im a XXXX XXXX and in XXXX of 2021 I asked/authorize the mortgage company to apply a little over {$4000.00} payment to the months of XXXX, XXXX and XXXX ; since I dont get paid until well into the month of XXXX. In mid XXXX, I started receiving texts and phone calls day and evening ( during work hours ) saying that I owed the month of XXXX. When I checked the bank account, they had taken a payment for XXXX then the {$4000.00} to apply payment for XXXX and XXXX and the rest was applied to the principal when I specifically said to apply to XXXX. I told them that they now needed to apply the little over {$2000.00} to XXXX and XXXX. They agreed and said it will be done in 10 business days. The calls about late payment continued and my phone calls to them telling them to stop and to apply that money to the monthly mortgage payments. Its been a month, I have spoken with numerous people and supervisors and nothin its been done. My account shows that I still owe the month of XXXX. Every time I call they say the cash in department hasnt done their job. Im running out of options and I feel helpless. They said they will not charge late fees but Im afraid it will affect my credit score. Now I just received an Early intervention letter because it shows in their system that I havent paid for 2 months. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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 2021-09-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Nissan Motor Acceptance is in violation of 15 USC 1692c ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized use of credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Specialized Loan Servicing has to be called in order to correct properly applying over payments of my mortgage. They take out interest charges twice instead of only the initial payment that covers the mortgage amount. SLS seems to have a problem over payments and it needs to be fixed.

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 2021-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b

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 2021-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase received two direct deposits in my checking account totaling {$26000.00}. The first deposit was made on XX/XX/XXXX for {$21000.00} and the second deposit was made XX/XX/XXXX for {$3300.00} When I called Chase in XXXX of XXXX to ask when my funds will be available they told me " your funds are suspended '' and that I had to call XXXX XXXX with Chase Fraud And Investigation Services. 

I've been calling XXXX XXXX and leaving voicemails since XXXX of XXXX. I never received a callback. 

Every-timeI call chase for an update ( 17 months later ) the customerservice team tells me the same thing " call XXXX XXXX XXXX XXXX 
I walked into a branch XX/XX/XXXX and they told me I'll receive a call back from XXXX and never did. 

XXXX XXXX does not answer her phone and has been out of the office since XXXX of XXXX. The number to XXXX XXXX is ( XXXX ) XXXX - XXXX Chase told me that XXXX XXXX works at a back office and they don't have access to her. 

I never received anything in the mail with details for my funds availability date. 

I received 1099 's for the income and can't access the money. 

I also had debt that was discharged in a month after receiving my direct deposits ( XXXX of XXXX ) in my second account so there's no reason for my money to be held this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b TransUnion is in Violation of 15 USC 1681b

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 2021-09-12 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: PA

Complaint narrative:
XXXX is in Violation of 15 USC 1681b Equifax is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS TO GET THIS ACCOUNT VALIDATED PURSUANT TO 15 USC 1681A ( E ) OR PERMANENTLY REMOVE IMMEDIATELY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).

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 2021-09-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE ACCOUNTS THAT DON'T BELONG TO ME I AM INCLUDING A LETTER OF EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to Congress Collection in regards to this alleged debt. The alleged account was then closed as last reported on XX/XX/21 and the balance was reported as {$700.00}. Exhibit is attached. I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
JetBlue XXXX XXXX XXXX Mastercard by Barclays Bank XX/XX/2021 : I was booking a ticket on Jet Blue when this ad popped up stating that I get {$150.00} off the price of the airline ticket if I clicked on the " apply for credit card '' - I did, got a message that my credit card was approved, but the system timed out and I couldn't book the ticket. A week later I got the card - and when i read the instructions it had {$99.00} annual fee -- which was not mentioned when the ad popped up. 

Around XX/XX/2021 : I did not activate the card and simply returned the card ( cut in half ) for it to be canceled. 

On XX/XX/XXXX, I got a letter from Barclays that I owe them {$99.00} -- which is absolutely uncalled for since ( a ) the annual fee was never advertised, ( b ) the reason for clicking on it was to get the {$150.00} instant off on the airline ticket, and ( c ) I didn't even activate the card the moment i read the terms and conditions and returned it.

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 2021-09-12 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: MI

Complaint narrative:
I filed a police report and talked to several high level managers within this company and was told that this should not be showing on my credit report as it isn't my account and was told even if it was they don't report to the bureaus as it was a prepaid card fraudulently opened in my name. When Experian reached out to them ; someone from their company lied and this information remained. Experian and XXXX keep shifting the blame between each other. This negative information has severely lowered 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