vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: VA

Complaint narrative:
I was deactivated from the XXXX platform because of what was on a report from Checkr. 
Checkr never sent me a copy or made it available on their candidate portal. Finally after a month of requests I got the report. There is misinformation on the report, it is a non-financial issue. The problems are the address, drivers license information and my last name. 
The worst thing about this is XXXX refer me to Checkr and Checkr referred me to XXXX. The report was done on XX/XX/21 and I got a copy on XXXX XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I closed my USAA visa card  XXXX it continues to report open an even chose the old XXXX plus balance on the credit report I contacted the bank to tell them that the account should be closed and they sent me a new replacement card and just reported the card with a balance of XXXX plus this card is closed and has a XXXX balance and it's getting very annoying with the XXXX also pulling my credit when I don't want a new card sending me a replacement card and a replacement debit card when I closed my accounts with them I have closed all my accounts with this bank and XXXX  out all my balances they continue to harass me with reporting information incorrectly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter to Experian over 45 days ago stressing the fact about an account on my credit report, I have yet to hear receive any information regarding my dispute, it is also my understanding that if you have not gotten a response within the 30 day period the item on the account must be deleted, according to the FCRA, but it is also to my understanding they are allotted 15 extra days due to COVID-19, all I ask is, please respond or delete the account attached to my credit report. 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 non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
Called my cell and left voice mail without my consent to call my cell phone. Making me extra charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AZ

Complaint narrative:
There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.

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 2021-10-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is an invalid debt collection from XXXX  XXXX appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.

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 2021-10-07 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: GA

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found lots of inquiries that i have no knowledge about it. and a wrong payment status in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CO

Complaint narrative:
I have a secondary account with Credit Karma banking.i have a checking and savings not even a year old. On XX/XX/2021 my account was frozen!! I had no Knowledge of this until I went to the grocery store that evening to use my card. There was no communication, no call, no text or email about this happening. I called them to complain and they gave no explanation as to why my account was frozen. The customer service person just told me they made a case and please send my questions to that email to get updated. They also said that they are currently working on it. Today is day 7!! Still no communication after ten plus emails and calls. I have no access to MY money for my kids, groceries or gas.. they are even declining my credit card payments that I got through them! I have over {$700.00} in fees from this and I don't think it's right! This can't be legal? They are a member of XXXX XXXX  and when I reached out to XXXX they just transfered me to credit Karma service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I had opened a card with XXXX a while back ( through XXXX XXXX XXXX  ) shortly after opening the card I lost my job and was unable to pay the debt of {$250.00} ( the limit was only {$300.00} ). I thought they had closed out the credit card since it was over my limit due to interest owed and I was not able to pay the minimum balance due since then. I did not receive any interim bills until I received a notice almost a year later that I owed {$900.00} and the card was closed and sent to collections. ( Which I thought had already been done a while ago ) It was my understanding that if the card was delinquent more than a certain number of months Usually around 3 to 6 months that they would close the card. When a card is closed the account is usually closed along with it in essence ending the relationship. when the relationship was discontinued the charges for the card should have been discontinued with it. I recently attempted to settle the debt with the company, Spring Oaks Capital, who acquired the debt from XXXX XXXX XXXX. The representative with whom I spoke would not reduce the amount owed to less than {$630.00} ( 6 payments of {$100.00} ). When I told the representative I could not afford that as it has been hard to get a job during the pandemic and have other debt that has accumulated, which I am currently attempting to settle, She offered me a settlement of 12 payments of {$70.00} which is the full amount of almost {$900.00}. When I told her that would not do as well she came back to me and told me if I paid the full amount on that date she could reduce it to {$640.00} ( which is more than her initial offer ). I feel that they are attempting to take advantage of the situation and fleece me for more money than I should be paying. Since I was unaware that the account was still open, and should not have been I was taken advantage of and the company is trying to collect about {$650.00} more than what I had initially owed to the company. this is unfair loan practices that is taking advantage of a consumers lack of knowledge of a situation. I am willing to pay what was owed and nothing more, however the representative was very uncooperative. I feel that the company was deceitful in allowing a delinquent account to rack up that much in fees before closing the card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank force place Homeowners Insurance on our home 14 months ago saying it was due to a lapse in coverage. We supplied them proof of current coverage, and new coverage that we paid in advance. We faxed them the proof of coverage, we emailed them proof of coverage, we sent it to them certified mail. We called their insurance department and they verified that they received the information from us, but that they didn't know how to stop the charges on our mortgage statement. We received a letter in the mail stating that they received proof that our coverage has expired, which means that they have proof of our insurance policy. We renewed it last week. Only way they would know it expired is if they had the policy. 

XXXX is the number for the insurance department We've paid {$180.00} + for 12 months on top of our mortgage. {$2200.00} that we're owed that we can't have an intelligent conversation with anyone there. We would love to talk to someone but everyone says " we don't handle that ''. Insurance says they can't see what our payments are, Customer service shows that the additional amount is being paid but Insurance AND escrow need to approve the reduction, Escrow says it's Insurance that needs to ok, but they can't see what the actual amount is. 

They are stealing {$180.00} per month from my children and holding my credit hostage.

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 2021-10-07 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: MD

Complaint narrative:
Experian, XXXX and XXXX is reporting a XXXX XXXX account that no longer exist.

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 2021-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I applied for a HELOC with Bank of America. My request was not assigned to an underwriter until 8 weeks later. This was advertised as a no cost, no fee, HELOC however on XX/XX/2021 I was directed to a third party provider called XXXX and order an update to the master HOA policy adding BofA as a mortgagee. For this I was required to pay a fee of {$100.00} for a certificate that looked just like the one I provided them from my homeowners association. I went ahead and paid the fee as I thought we were close to closing. On XX/XX/2021 my loan was declined due to " Collateral Does Not Meet Bank Guidelines ''. Shouldn't this have been established through the appraisal process and other means before BofA required me to incur this expense and place them on my polices as a mortgagee? I feel BofA has engaged in unfair and deceptive practices and should reimburse me for the {$100.00} I needlessly spent due to their incompetence.

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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
The financial firm ability XXXX XXXX is a debt collector who have been handling my debt from XXXX XXXX XXXX, for XXXX $ and the person I am speaking to resolve my payment, has been aggressive, disrespectful and refuse to offer me account settlement documentation. The school has Been not helpful and there should be an action taken on the financial service provider

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 2021-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I used Affirm for a installment loan purchase at XXXX XXXX XXXX. The card was authorized up to {$1200.00} and I used {$910.00}. Part of the order was not available and therefore I never used the full amount and the company never authorized the full amount. Currently my loan amount and interest is based off of the full amount, along with fees, and Affirm resports to credit bureaus so they are in turn reporting the wrong loan data, i.e. loan amount, fees, and even payments. I have reached out and provided documentation showing the amount used and amount processed. Affirm refuses to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX and Equifax information services committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On Saturday, XX/XX/2021, I went into Navy FCU to deposit a check. It was my initial oversight not recognizing this check was for my business not my person. The Navy staff failed to do his job by double checking everything and deposited the check into my personal account. The check was cleared and funds were made available. On Wednesday, XX/XX/2021, I went into the branch to withdraw funds and was there for 75 minutes because there it was discovered it was a business check. The account was restricted and I was not able to access any funds. This causes me financial distress because I missed a business deal. I am in the pre-planning of filing a lawsuit for damages.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Today I login to myequifax.com and attempted to get my credit score. I was not able to view my credit score even thought Equifax website said I can view my credit score for free. Last month Equifax advised they were sending my credit score through the mail. It never came probably because they can not pull it. I am considering taking legal action against Equifax they have denied me my right to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I have a HSBC credit card and they are charging me 22.99 % interest rate. I pay the monthly bill on time. My credit rating given to me by XXXX XXXX is XXXX. How can they charge me this high interest rate, especially during a pandemic?? This is interest gouging. I asked them several times to lower the rate, but they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I found lots of inquiries that i have no knowledge about it. and a wrong payment status in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I found lots of inquiries that i have no knowledge about it. and a wrong payment status in my 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