vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: CA

Complaint narrative:
I reviewed my XXXX XXXX account and noted Equifax lowered my credit score by two points with 2 pieces of information. One showed a balance of {$170.00}. ( XXXX XXXX ) the other showed a decrease of {$300.00}, but they still decided to lower the score 2 points for such a negligible balance on my XXXX 's card. I am angry about this. I have paid off all of my credit card accounts over the past few months and they didn't bother to raise my score but one time. They have lowered it multiple times. This last time was really inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My XXXX  was a XXXX Veteran who was exposed to XXXX XXXX and passed with XXXX in XXXX. Because he was 100 % disable I am entitled to all of his benefits. I have a XXXX XXXX with Freedom Mortgage. We have never missed a mortgage payment in XXXX years. I received a call from Freedom Mortgage asking if I wanted to do a XXXX  XXXX. I advised them I did not want to do a streamline however, wanted to do a refinance cash out, because I needed to replace the furnace, remodel the kitchen and other upgrades. I asked what the minimum XXXX XXXX was for a XXXX refinance and was was told XXXX. They ran a hard credit pull and my score was XXXX. I was told I qualified. They told me they would complete the application and get back with me with terms, interest rate, etc. The next day I received a call stating I did not qualify because even though I met the credit requirements, debt to income ratio, etc., they were not doing cash outs for XXXX XXXX because XXXX XXXX are considered " at risk ''. I am XXXX XXXX years old and an XXXX American XXXX and I think they denied my loan based on my XXXX and XXXX. I received a denial letter today which list the reason for denial as " ineligible applicant ''. I called Freedom Mortgage requesting a clarification to 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 2022-01-11 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: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
The house went into foreclosure. It sold without The second mortgage excepting any offers. Now that the first mortgage is gone the second mortgage refuses to take a settlement theyre ignoring any documentation I send in to settle the account they continue to report it as a late payment going on three years now. I hired a credit repair company and this account does not change it wont budge continues to report a late payment. The late payment is only submitting to XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I have disputed the charges in question with the company and they are currently open claims. My issue is that they will not provisionally credit the account pending investigation. The terms state that in order to qualify for a provisional credit certain criteria must be met, one of those being " If you were billed the wrong amount ''. I notified customer service immediately, while the transactions were still showing as pending, and was told to come back once they posted, which I did. They did not post on the same date so I had to file separate claims. I was told it would take up to 90 days to resolve and just assumed that regulation E would be followed as I was incorrectly billed. I also provided the documentation showing my attempt to get the situation resolved without filing a dispute, but could not get a response from the merchant. It has been more than 10 business days since the disputes were opened and I have not heard anything from the card issuer or the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: NC

Complaint narrative:
I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-01-11 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2021, I noticed a fraudulent charge in the amount of XXXX from a merchant called XXXX XXXX charged to my Chase Visa. I immediately called the chase fraud division to report a fraudulent charge, and they told me to immediately destroy my card and begin using a new one. I complied with these instructions. Today I received a notification that I had " received some benefit from this transaction '' and that they would be recharging me for this amount. I did not receive any benefit and have never signed up for an account let alone heard of this company. I am very frustrated with them and don't understand how I received benefit from something that I did not charge and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CREDIT XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX )

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 2022-01-11 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: FL

Complaint narrative:
XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by XXXX XXXX XXXX XX/XX/XXXX Payment reversed, XXXX to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was XXXX 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows 3 payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by XXXX XXXX, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.

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 2022-01-11 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. 

On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: GA

Complaint narrative:
I repeatedly reached out to all this bureau about inaccurate reporting information on my credit report. They did not resolve the issues. 

XXXX replied to my disputes via email, which I did not give them permission to do as I sent all my disputes via mail. They only emailed back saying the disputing accounts were verified as accurate. I then proceeded to mail them back asking for validation or method of validation, they ignored my request for more than 30 days. 

Transunion has not notified me of any investigations that I had open, nor did they verify or send me method of verification of any of the accounts I disputed. It has been more than 90 says since I have started disputing with Transunion Under the FCRA cra 's are required by law to report accurate and correct information. all three bureaus denied me of that right when they ignored my request for accurate and correctly reporting information on my credit report. under section 15 U.S. Code 1681d

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 2022-01-11 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I never signed a contract with global radius solutions. I settled a debt with XXXX XXXX and was told the account would be removed from my credit report. It has not been removed. Then they sent me a check for XXXX for an adjustment. This is a outrage and if this matter is not resolved, I will seem legal counsel.

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 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$450.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted from XXXX XXXX XXXX XXXX XXXX and have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This company is currently showing 30 days late for the month of XX/XX/2021 and 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

AMER CR ACPT XXXX Balance : {$12000.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: CA

Complaint narrative:
I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, TransUnion, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, TransUnion to furnish any late payments on my credit report. 
These items on my credit report need to be updated.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I sent a certified letter to Amex on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX.Requesting that they correct my credit report. 
Reference account number # XXXX .My credit report is reflecting a 30 day late payment for the month of XX/XX/XXXX. I have never made a late payment on this account. My account had a zero balance and no payment was due. During this timeframe, an unauthorized charge posted to my account without my knowledge. ( for a gym membership that had been closed ). I did not receive any alert or online statement informing me of this matter nor did AMEX take any action to contact me to inform me that a payment was due. I was notified AFTER the account was over 30 days late, I was not provided with any opportunity to ensure that my account was protected. I ended up paying the fee even though I did not owe it, which is unjust. Under the XXXX this fee should have been removed, which it was not. My account was marked 30 days late which I believe was an oversight on their part. I have always maintained an excellent payment history with AMEX and all my creditors for years. This unforeseeable incident has caused me to be unjustly denied a home loan. I am respectfully requesting that AMEX correct my credit report to remove this late payment so that I do not continue to incur any further adverse action. AMEX has not responded to my letter thus I am requesting your assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted SYNCBXXXX  letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. 
I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My credit card # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because SYNCBXXXX derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you 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