vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
RESPONSE TO FOLLOW-UP COMPLAINT XXXX First of all what you have concluded makes no sense & you contradict yourself. We had issues closing on our home because you FILED the HUD lien which was for XXXX & XX/XX/2020 that I did accept and paid you back in full on closing, but you never actually RECORDED it therefore no funds ever came from HUD and it still does not excuse you reporting NO DATA on my account for XXXX 2020 because I paid my mortgage in FULL and show the statements as proof & you never actually recorded the lien so I have no idea what you were waiting to process per HUD, XXXX & your own documentation that states you never recorded it because your paperwork was null & void due to having separate signatures VS combined. Again, I order you to report my mortgage payments I made in full for XXXX, XXXX, XXXX, XXXX, XX/XX/2020. 

ORIGINAL COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.

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 2021-10-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: DriveTime
State: SC

Complaint narrative:
Representative kept saying Drive Time didnt pull your credit file. It didnt come out of nowhere.The company was very rude as I stated to them a inquiry appeared on my credit file from XXXX that negatively impacted my score as well my file with a hard inquiry. Stated they wasnt removing anything and it was nobody else to talk to. Representative kept trying to be smart mouth and argue with a consumer. The inquiry occurred XX/XX/2021 and they pulled my credit file for hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am XXXX XXXX, natural person and consumer on XXXX XX/XX/2021 I submitted a remittance payment to my credit card account in the amount of {$21000.00} I sent my payment certified mail to insure timely processing and Capital One still has not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
Regular Inquiries on my XXXX and XXXX credit report. 

I called both companies and they said i had to report through this website. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I remitted my payment to CapitalOne for {$2000.00} my payment has not been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquires on my credit report XX/XX/XXXX and XX/XX/XXXX I made several calls and emails and The supervisor agreed after verifying my accurate information and police reports that the inquiries was not truly me and agreed to remove all the hard inquires from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received notice of statement in mail dated XX/XX/2021 for {$40.00} for services I received from XXXX XXXX XXXX at the XXXXXXXX XXXX  MD XXXX XX/XX/XXXX on XX/XX/XXXX. I paid right away on XX/XX/2021 using the Pay Online : XXXX  and received an email : Your payment has been successfully processed. The payment was withdrawn from my checking account on XX/XX/2021. I received another statement dated XX/XX/2021 for the same services. On XX/XX/2021 @ XXXX XXXX  EST, I called the billing department at XXXX and spoke with a female representative. I informed her I have already paid this bill and provided her the date, transaction email and bank statement. She said she would take care of it. I received another statement in the mail dated XX/XX/2021. I called on XX/XX/2021 @ XXXX XXXX  EST and spoke to the same female representative again inquiring why this claim has not been updated. She said, I did not send her the information. I forwarded the email that I sent her while she was on the phone. She said, they do not have record of the payment because there are two different systems and the payment possibly went to the XXXX XX/XX/XXXX. She instructed me to call XXXX XX/XX/XXXX and ask them to refund the money and then pay them. On the same day, I contacted XXXX XX/XX/XXXX at XXXX and sent an email to omfa.gwa.edu @ XXXX EST. The male representative was unable to see any records for me. He looked up records based on my name and SSN. I received a notification in the mail dated XX/XX/2021 from Transworld Systems Inc. to collect the {$40.00} debt as reported by XXXX XXXX XXXX. I called this company on XX/XX/2021 on XXXX @ XXXX XXXX  EST. I gave the representative the Transaction ID and Approval Code from the successful email. I was told Transworld would notify me in 30 days of their findings. On XX/XX/2021, I received a letter from Transworld Systems Inc. requesting me to send materials to valid my claims. I sent all the information by certified mail via USPS on XX/XX/2021. I received another letter in the mail from XXXX XXXX dated XX/XX/2021 enclosing a copy of the debt I owe and requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: KS

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard Inquiries for auto loan : Experian XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX/XXXX  XXXX XXXX  XXXX I DID NOT WANT A AUTO LOAN ... .THIS WAS NOT ME CONSUMER CREDIT SAID TO FILE WITH YOU THEY CANT TAKE IT OFF XXXX XXXX  XXXX SAID I HAVE NO LOAN SO I MUST FILE WITH YOU OR DISPUTE WITH CONSUMER credit BUREAUS NO ONE WILL REMOVE FROM MY CONSUMER inquiries

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After getting my alleged Experian credit score of XXXX I find out after only giving two banks permission to pull credit I have pages. Of hits lower our score by almost XXXX ; points. No- please do NOT give me the XXXX about freeze when the credit reporting agency 's admitbthey can not block all from hitting the credit which they do on a regular basis. Then you have the brokers who literally XXXX you shopping you credit. Opinion by nature of years of experience -And all the while you stand in arrogance and lies speaking of how you protect people. Wow- you KNOW exactly who and what you are. How pitiful the destruction of people for THE XXXX OF THIS WORLD XXXX. Sorry truth hurts. what's the complaint FIX AND STOP UNAUTHORIZED INQUIRIES!!!!!!

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 2021-10-25 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: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX $ XXXX Opened : XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
After hours on the phone with Southeast Toyota Finance, a company who I leased a XXXX  from regarding how to settle a debt they suggested I needed to pay, I still am years later getting calls. 

Initially they said I owed a full amount after returning the leased car because of wear and tear. I had to spend hours proving I paid extra a month to cover that. 

It was explained that it didn't include all of it. Also that they did not get a key fob that I mailed in to the XXXX dealership. 

I had to call over and over to get a letter on their letterhead stating they DID get the fob, which they had. I could not email anyone about this of course at Southeast Toyota Finance. 

I am still getting phone calls from XXXX after they suggested a reduced payment to {$500.00} and I paid {$100.00} and processed the key fob request which should be another {$400.00}. I've spent months hearing from them. They do not have an email and the woman I discussed settling this with did not do what she said. 

I am still getting phone calls from XXXX after talking for hours with XXXX and the XXXX dealership, which faxed them information regarding the key fobs being replaced which should take down the payment {$400.00}. They had offered a cash out for {$500.00} and I payed {$100.00}. They continue to call me and they are unethical and incompetent. 

They keep calling and reporting I owe them {$270.00} but based on everything I've spent hours and hours they should be paid off. They are still trying to take advantage of me. At one point I got a letter saying they still want me to want me to send them a letter on XXXXXXXX XXXX letter head. This is fraud. They need to be investigated. Mostly though they make it impossible to really communicate and they don't follow through after you are on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND A REPOSESSION THAT HAS AN AMOUNT OWING THAT IS WRONG AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I owned a XXXX  XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. 
Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. 
So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. 
For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. 
I implore you help me in any way that you can. I did not sell my XXXX  for XXXX  of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
On XX/XX/XXXX at XXXX I was alerted via text message that Chase denied a {$780.00} purchase at XXXX XXXX XXXX XXXX They asked me to confirm if it was me with a " yes '' or " no ''. I responded " No '' within the minute ( XXXX ), as I had not ( and never have ) made a purchase at XXXX . chase confirmed they would close my card and send a new one. 

Chase then reversed the transaction a few days later, so I assumed I was all set. However, a few months later, I was checking my credit card history and noticed Chase had added back the same {$780.00} charge a day or so after they removed it from my credit card without any notice. I had unknowingly paid that charge, resulting in me being out of pocket ~ {$800.00}. I am still out of pocket this amount. This charge should have never gone through, since i flagged it as fraud the same minute I was alerted via text message.

I called Chase to complain, and they said they would raise a complaint with their fraud team and it would take 15 Business days. I waited the 15 Business days, plus a few more, and still heard nothing from Chase. I called and they said their department said the delivery address matched my address on file. I had since moved ( starting XX/XX/2021 ) and no longer lived at that address. They patched me in to XXXX who provided the shipping information for the package but then said I would now have to work with Chase to get the refund.

Chase has been extremely difficult and unwilling to refund me the money, which is why I am submitting a complaint. I can provide time stamped records of the fraud text, my response, and the chase follow up. I am happy to provide any other information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation