vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AL

Complaint narrative:
I had overdraft fees that was placed on my account because of unauthorized charges. US Bank did side with me that charges was unauthorized. But a US bank representative was only able to give me up to 2 overdraft fees back. I didn't dispute what she said. I came directly to CFPB here next to get the rest of my overdraft fees. I had a total of 5 unauthorized charges on my account ; so I am here to get the other 3 overdraft fees back. Thanks for your quick and prompt response to this dispute.

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 2021-12-22 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: MI

Complaint narrative:
XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX Soldier  that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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/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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
A collection account was placed on my XXXX credit file XX/XX/2019. Upon reviewing this item on my credit file, I responded with a dispute letter, requesting additional information on this account. After realizing that the item was wrongly placed on my credit file, XXXX removed the item, then reinserted it about a month later without properly notifying me. Violating the Fair Credit Reporting Act law which requires the consumer reporting agency to notify the consumer through a written letter within five business days after the determination is made. 
However during my very own investigation, I was able to contact the alleged debt seller of this account. Attached along with this correspondence, is an Email from a representative at XXXX XXXX apartments in XXXX Texas. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claim that I signed a lease agreement at the above apartment complex. 
Further more, despite numerous requests, XXXX and this debt buyer have failed to show any details about the age and of the original source, a detailed explanation of any interest, the date the original creditor claims the debt became delinquent. 
According to the FCRA, IQ Data International and XXXX have violated my rights as a consumer. And I am requesting legal action to remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I had a debt with XXXX XXXX XXXX, XXXX that was paid in full on XX/XX/XXXX. I received a letter from XXXX on XX/XX/XXXX showing that this amount was paid in full. I am now receiving calls from Aargon Agency stating that they have my debt. They are providing me with the exact same balance as well as account number from XXXX. I submitted my letter showing that it was paid in full and they are refusing to honor that letter by stating that it was a different creditor, even though the account number and balance are identical. I have contacted both XXXX and Aargon in regards to this matter and neither are willing to fix the problem.

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 2021-12-22 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: TX

Complaint narrative:
I have filed numerous disputes with Equifax, XXXX and XXXX and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX I The reporting of these accounts are also violations of 15 XXXX XXXX XXXX The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. 10 Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed numerous disputes with XXXX, XXXX and Experian and they have failed to provide me relief. 

I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 


Pursuant to 15 U.S. Code 1692e.False or misleading representations US Code 1692 notes that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX and XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX all have filed profit and loss statements pursuant to the IRS they should have administered a 1099-C. Which in turn means they were paid for the alleged debt. When did credit reporting agencies start reporting income? 


I have no agreement with these companies, I have never signed an agreement with the above creditors XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. They have purchased an alleged debt without me being involved in the transaction. I have created a duplicate account. I am a natural person XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX and XXXX XXXX. 

XXXX BANK XXXX XXXX I The reporting of these accounts are also violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

Pub. Res., No. XXXX Requiring payment in gold/coin/currency against public policy and shall be discharged, XXXX XXXX eliminates ability to pay debts and allow discharge, 31 USC 3123g Ovt obligated 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 2021-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
2019 Synchrony Bank came up with bogus reasons to cancel ALL of my Synchrony credit cards 1. Old Navy {$500.00} 2. XXXX XXXX {$7000.00} XXXX. XXXX XXXX {$1000.00} 4. TJ Maxx {$1500.00} When almost {$10000.00} in credit is taken away and the consumer 's credit to debt ratio is seriously impacted, we seem to have no rights to reverse these decisions. Believe me, I tried. I just got more letters saying " refer to the terms and conditions of your cards ''. We are able to do this and we don't need to let you know the reasons. Really? That is not fair and the consumer is out of luck altogether.

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 2021-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I thought I had to recertify my XXXX plan with FedLoan, because the Cares act made it unnecessary in XXXX. They sent me a letter that my income based payment has doubled, and that its due XX/XX/XXXX. This was, and is, before the CARES Act was set to expire first XX/XX/XXXX and now XX/XX/XXXX. When I called to point out that this due date is within the Cares Act relief, I was told its my own fault for recertifying early, & my payment is due XX/XX/XXXX. When I asked to speak to a supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hi! 

- Was working a forbearance plan with XXXX XXXX XXXX for few month. 
- Right almost at the end of the plan when I was about to start making payments again, my loan was transferred to another servicer " Shellpoint Mortgage Servicer ''. 
- We applied again for the continuance of the forbearance for few more months, and right in the middle of the application and even within the 60-days of transfer of servicers protection they reported me delinquent. 
- Transfer of servicers rights happened on XX/XX/2021 and I was never ever able make payments to the new servicer via the web or the app as my loan was locked due the current forbearance with the previous servicer. 
- Bottom line I was locked for payments, applied for new forbearance and home help, they replied and asked for more documentations, and regardless of this, and besides the 60-days protection for servicer transfer protection they still reported me delinquent for XXXX ( late 120 days ) to the credit bureau hitting me with over 200 points negatively in my score. 

Also the number of days delinquent is wrong!!!! They are reporting 120 days ... .or hey are really missing some payments from previous servicer. 

Can you please help? they don't listen or want to help or advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am having major issues with Upstart and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account XXXX more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken XXXX payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for 15,25, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This regards my XX/XX/XXXX complaint re : JP Morgan Chase - XXXX They made XXXX attempt to call me- but after XXXX calls that I made, they will not return my call or return my money which they hold- {$23000.00}. The original failed wire occurred on XX/XX/XXXX and since then, they have not returned any calls, not returned the money and not responded to anybody from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or myself. The recall was made XX/XX/XXXX. I need MY MONEY so I can pay my bills immediately. I've made more than XXXX emails and XXXX phone calls and I'm getting NO RESULTS from anybody. This was a one-digit error on a wire, and they have simply kept my money, will not return it - and will not call back. They need to return my funds immediately and receive a penalty - I've spent days on this and no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CA

Complaint narrative:
On XX/XX/2021 I made a cash advance transaction at XXXX XXXX in California in the amount {$2300.00}. Bank of America charged me a CASH EQUIVALENT - TRANSACTION FEE OF {$120.00} on top of the fee that the hotel already charge me. This caught me by surprise because Bank of America never listed this cash advance fee in their monthly statement sent to me. When I called them, the supervisor said that it was on my disclosure which was not even listed in all of the documents that i can look up in my online account. Bank of America has not done their due diligent of being transparent to the customers about their fee. They need to be put on notice.

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 2021-12-22 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: TX

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
My husband and I were promised a {$1000.00} lender credit which we did not receive per the closing documents. They have tried to say that we got it in other ways which they have yet to prove. Such as a point buydown, it clearly states on our documents that we paid for that buydown. 

My husband and I have requested documents on which program they put us through because we believe that they one they are saying we are in we are over qualified for, AND that the one we are actually in might come back to bite us should we choose to do something different with our home in the future. 

We have asked several times now for proof and our complete file and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: VA

Complaint narrative:
I have items on my credit report that I would like to verify the information on. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove any inquiries that did NOT result in an account being opened.

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