vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was transferred to XXXX XXXX  sometime in XXXX of XXXX from XXXX. 
While transfer took some time I kept makilng monthly mortgage payments to XXXX. 
I have all bank Statements reflecting these payments. XXXX XXXX  reports late payments in XXXX, XXXX... XXXX and XX/XX/XXXX. 
Both Mortgage providers claim same mortgage for same property and both of them claim late payments. 
My credit report reflects both - XXXX and XXXX as my mortgage providers for same property. Both mortgages allegedly originated at the same time - XX/XX/XXXX and reflect same mortgage amount...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was transferred to XXXX XXXX  sometime in XXXX of XXXX from XXXX. 
While transfer took some time I kept makilng monthly mortgage payments to XXXX. 
I have all bank Statements reflecting these payments. XXXX XXXX  reports late payments in XXXX, XXXX... XXXX and XX/XX/XXXX. 
Both Mortgage providers claim same mortgage for same property and both of them claim late payments. 
My credit report reflects both - XXXX and XXXX as my mortgage providers for same property. Both mortgages allegedly originated at the same time - XX/XX/XXXX and reflect same mortgage amount...

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Today a debt that was removed from my credit report was re-added to my report and the date was changed. This card was originally said to be opened in XXXX but the company changed the date and it says the account was opened XX/XX/XXXX. Due to this debt being removed from my report and then being place back on when with a different date and restarting the statute of limitations on it, I believe this is fraudulent and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: EdFinancial Services
State: CA

Complaint narrative:
ED FINANCIAL OPENED ON XX/XX/year> REPORTED BALANCE IS {$20000.00} LOAN AMOUNT {$18000.00} I AM NOT THE RESPONSIBLE PARTY FOR THIS LOAN, I CO-SIGNED FOR MY DAUGHTER XXXX XXXX TO ATTEND SCHOOL, AND I WOULD LIKE FOR THIS LOAN XXXX  REMOVED FOR MY CREDIT REPORT AND POSTED TO THE CREDIT REPORT OF THE RESPONSIBLE PARTY. XXXX XXXX. I WAS NOT THE PERSON ATTENDING SCHOOL AND THERE FOR NOT BE HELD LIABLE FOR ANY AMOUNTS DUE. I TRIED ON A FEW OCCASIONS TO CONTACT THE SCHOOL AND THE LENDER IN REGARDS TO THE MATTER, BUT WAS XXXX SUCCESSFUL. PLEASE HAVE THE LENDER REMOVE THIS FROM MY CREDIT REPORT, AS IT IS PREVENTING ME FROM ACQUIRING BUSINESS LOANS NEEDED TO EFFICIENTLY OPERATE MY BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I could not believe the account had another person 's name. I did not want this. Thank 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 2024-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

This complaint is for the XXXX XXXX application process for Chase Bank. 
The Chase Mortgage loan in question is XXXX. 
The mortgage is in the name of XXXX XXXX XXXX. 
The mortgage property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 

I am the mortgage assumption applicant who is trying to assume the mortgage in my mother 's name. The remaining mortgage balance on my mom 's mortgage is {$99000.00}. 

I furnished all requested documentation on XX/XX/year> to Chase. This includes all my financial history, my paystubs, my XXXX statements, my credit card statements, my saving account ( which in itself has {$90000.00} available ). 

Chase bank then requested additional information, again asking for bank statement since the last statement a new XXXX statement. 

I had provided them with that information on XX/XX/year>. 

In XXXX, 2024 they sent a 3rd letter asking additional information, which again now includes a request for more recent bank statements, XXXX and most recent paystubs. A repeated request for documents from the previous request, which I had already furnished. 

I truly believe Chase is out to deny the XXXX XXXX application purely based on tiring the consumer out. Because they don't want to approve the mortgage assumption ( since the existing mortgage is at a advantageous 3 % rate ) and most likely is just interested in selling my a brand new loan at current mortgage rates. 

At this point, it is apparent that they are delaying delaying delaying and asking for more and more repeat items just playing administrative ping pong with the goal of tiring the consumer out and ultimately denying the application for the lack of my " cooperation ''. 

The loan application is in active progress state and I will be providing the details they have requested in their last/3rd letter. 
Please assist with resolving this matter. I am still looking for have Chase favorably adjudicate my XXXX XXXX application. 

XXXX XXXX cell phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There is an issue with my Equifax credit report and score appearing on XXXX, XXXX and other credit monitoring sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or ca
n not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
Loan Opened XX/XX/XXXX XXXX amount {$11000.00} Balance due {$9200.00} Company King of Credit and XXXX Auto Sales On XX/XX/XXXX I went to XXXX Auto Sales to purchase a vehicle and was given this loan for a XXXX XXXX XXXX. For about XXXX weeks the car was running good and without any warning the car shut off in the middle of they highway. I contacted XXXX Auto Sales as well as King of Credit to report the issue. The car was picked up for repairs and after a week I was told to come retrieve the vehicle as it had been repaired. To my surprise I continued to have the same problem over and over for the duration of the time I had the vehicle in my possession. After requesting for the XXXX time that the vehicle be picked up for repairs, no one showed for XXXX weeks to get the vehicle. Once someone was sent out to retrieve the vehicle for repairs for the XXXX time, I was informed hat my warranty had expired and I would have to pay for the hybrid battery to replaced out of pocket. I reported each time the car was picked up that the hybrid battery needed to be replaced, but it hadn't been done. Once I refused to pay for the repairs, I was informed that it would be considered a repossession and placed on my credit report as a negative mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
My XXXX XXXX XXXX was stolen on XX/XX/XXXX from my apartment. I filed a police report with the XXXX XXXX police department and XXXX XXXX. My XXXX was recovered on XX/XX/XXXX with a lot of damage to the interior and engine. XXXX made a check of the estimate damage to me and capital one auto finance {$2700.00}. To have the repairs done by my personal mechanic which I have always used for years he has his on garage. 
I mailed the check to Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX Damage Department so that the check can be endorsed in my name, so I can have my personal mechanic complete the repairs, it states in Capital One Auto Finance statement that, I can choose which option to have the check sent. I chose to have it sent to me, endorsed in my name so I can have my personal mechanic complete the repairs. The check from XXXX XXXX is for the repairs to be completed but Capital One Finance took it upon themselves to apply the check to my principal because I am behind in payments. I can work out payments with Capital One but they applied the check to the principal when I stated that I wanted it endorsed and sent back to me for the repairs to be completed by my personal Mechanic, this is against the law, the check is for damages and not to be applied to my principal. I want Capital One Auto/Physical Damage Department to endorse the check in my name so I can have the repairs completed by my personal mechanic, I will upload the statement that states I can chose which option to have the repairs completed. I have already faxed to Capital One Auto the note/letter and the damage estimate from XXXX XXXX which in total is XXXX pages. I have been trying to reason with them that we can work out about the late payments but the check from XXXX XXXX is for damages to be repaired by my mechanic of chose. I am asking that Capital One Auto Finance/Physical Damage Department honor what is in there statement and return the check back to me endorsed in my name so my personal mechanic can fix the damages. I will upload the document stating that I can choose this option which I am being decide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-12-24 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
Transunion has provided an updated information to a previous dispute. Attached is a letter that requires Transunion communication as it relates to the nature of the inaccuracy reported to the 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 explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the company has sent a response where it states never late

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I lost my ID and all my personal stuff a while back and I guess people have been opening stuff up in my name, i want this stuff taken off please. Its not cool that its messing with my credit.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I lost my ID and all my personal stuff a while back and I guess people have been opening stuff up in my name, i want this stuff taken off please. Its not cool that its messing with my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a XXXX XXXX XXXX  and was issued the XXXX wallet as a source of payment. The fees are ridiculous and transfers to my bank account incur more fees.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I HAVE A BEST BUY CREDIT CARD THROUGH CITI BANK. I MAKE MY PAYMENTS ON TIME, PAY DOUBLE THE PAYMENT AMOUNT JUST TO HAVE MY CREDIT LIMIT DECREASED WITH NO NOTIFICATION OR JUSTIFICATION. I HAD A {$230.00} CREDIT FROM WHAT I PAYED BACK AND NOW I HAVE {$20.00}. I HAVE CLOSED THE ACCOUNT FOR XXXX REASON. ITS JUST XXXX  BUSINESS PRACTISES BY THESE XXXX COMPANIES!!!

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 2024-12-24 00:00:00
Product: Credit reporting 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: NJ

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 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Checking Account Ending XXXX On XX/XX/year>, I made an unsuccessful and a successful {$100.00} ATM withdrawal from Chase Bank ( Term ID : XXXX ) located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I wasn't paying attention when I made the first attempt to withdraw the {$100.00} and so transaction timed out before I could grab the money from the XXXX on the bottom of the ATM machine. The money was therefore returned into the machine. I got a receipt saying " we can't complete your withdrawal right now. '' I tried again and was able to withdraw the {$100.00}. I checked my bank account later and found out that XXXX had charged me two {$100.00} withdrawals. I immediately called the bank and filed a claim. They mistakenly issued me two {$100.00} credits. I called the bank yesterday ( XX/XX/year> ) and notified them about the error. Instead of reversing one of the credits, I noticed this morning they have removed both {$100.00} credits. So, my account is back to square one i.e. the bank charging twice for {$100.00} withdrawals. I'm tired of calling the bank due to the long wait and all the verification you have to go through.

Company response to consumer: Closed with monetary relief