vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: LA

Complaint narrative:
Where do I begin? On XX/XX/XXXX my XXXX score for XXXX was ( XXXX ) and my XXXX score via which I filed a complaint to have my credit card balance updated to reflect a higher score my account is now lowered from XXXX with additional creditors added since early XX/XX/XXXX! My ( debt to income ratio ) reflects 0 %. 
I noticed that in XXXX there was a remark stating that the " client chose to pursue a complaint after dispute resolution.. '' I have not received any feedback concerning XXXX 's final decision on my account. 
This seems quite bizarre that old accounts have been added to my account and while the account now reflects the whole credit amount of XXXX in credit why was my credit score " dropped? '' The credit report has been updated since XXXX with my secondary address in XXXX Texas so what was the need to add such information? 

XXXX continues to send me solicitation and just recently I received an email stating that my credit score has fallen. It gives me an email to open, recognizes my name but does not tell me the score. XXXX XXXX did not provide experian FICO score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
I recently refinanced our our home and part of qualifying for the best rate the mortgage company used Equifax to investigate my credit. My score came back at a XXXX which is less than the XXXX I needed to obtain the best rate. The reasons stated by Equifax for my score were : SERIOUS DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMIT IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESATBLISHED TOO MANY INQUIRIES LAST 12 MONTHS I have attached my credit report from Equifax and there are no records showing delinquent and the only hard inquiry in the last 12 months was the mortgage refinance I was applying for at the time XX/XX/2021. 

I disputed the credit score through Equifax 's dispute process twice and asked Equifax why the I got a score of XXXX. Equifax dispute XXXX and Equifax Dispute XXXX. 

Both responses from Equifax just said they would pleace my consumer statement in my credit file. They did not answer my questions as to why my score was XXXX and the reasons they originally stated are not reflected in the credit report they provided me as the consumer. 

I am looking for the answers and an adjusted credit Score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TX

Complaint narrative:
XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY CREDIT PRO FILE AND I HAVE SPOKEN WITH EQUIFAX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) .Without my direct consent CHASE AUTO FINANCE have used my credit card number 15 USC 1602 ( i ) aka social security number for its own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ), CHASE AUTO FINANCE mailed me a statement constitutes a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 1 ), CHASE AUTO FINANCE did not have apparent authority to use the consumer 's credit card or open-end credit plan. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited, adverse credit report is also prohibited. I am demanding and entitled to Documentary Evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Chase is refusing and failed to provide documentary evidence.

CHASE AUTO FINANCE said they will report the alleged debt account to my consumer credit report without my written consent as mandated under the FCRA will violate my consumer right under 15 USC 1681b ( a ) ( 2 ) and my privacy under 15 USC 1681 ( a ) ( 4 ), false deceptive under 12 CFR 1006.18 ( c ) ( 1 ) Pursuant to 15 USC 1692j CHASE AUTO FINANCE is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. Not revealing the name and address of the original creditor CHASE AUTO FINANCE is involved in a False or Misleading Representation pursuant to 12 CFR 1006.18 ( e ) ( 1 ) failed to disclose that they are attempting to collect a debt. And willfully not disclosing the name and address of the original creditor.

The Truth in Lending 12 CFR 226.15 Right of Rescission states the consumers have up to ( Three ) 3 years from the date of the consumer credit transaction to rescind any consumer transaction, if the required notice or material disclosures were not delivered. Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest directly or indirectly to CHASE AUTO FINANCE.

Pursuant to 12 CFR 1006.6 ( c ), Im demanding that CHASE AUTO FINANCE cease all further communication and all collection efforts have being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid {$3500.00} to XXXX XXXX to provided website activity to sell books on XXXX. Was shown a XXXX video presentation how to sell books online " Business and cost '' I was told I would get support, and 2 software to access for XXXX sales ( arbitrage ) and trades and no further cost involved to start the business except for buying books. After accessing member area stipulations are different, must follow training for 1st 30 days, training videos are outdated from 2017, mentoring cost, other vendors fees, plus their offer refund policy 90 days double money back guarantee with weekly purchased of 4 books per week. After 6th day of watching outdated training videos, I wrote to ( XXXX XXXX XXXX | XXXX - Support Team XXXX ) about the training videos, and i ask for a refund and XXXX said i can not get back any money he insisted to keep with program that i dont want to continue anymore this is very difficult to folowing, that's why i wan na may money back. it looks like a scam to me, then is not responding any emails. I just want they refund the money. I contacted my credid card ( best buy city bank ) but they say i canceled it too late, but this is whog because i did cancel after 6 day, i called citi bank again they dont want to deal with this. 
Please help me, there is others with the same situation, this book trade company dont care about it. there is lots of complaints on XXXX XXXX XXXX 
than 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 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I opened a phone number account with XXXX, my phone was already owned by me so no contract. I was told I would save {$10.00} a month sign up auto pay. I did this and they wouldn't give me the discount. My first bill XXXX XX/XX/XXXX came was charge of {$240.00} for fees and first month cycle. My XXXX XXXX  card paid XX/XX/XXXX {$240.00}. 
XXXX {$88.00}. Paid XXXX XXXX XX/XX/XXXX {$88.00} By now I was told I wouldn't get the discount on auto pay after XX/XX/XXXX so XX/XX/XXXX I cut off the XXXX and went with XXXX  and on XX/XX/XXXX I paid XXXX {$55.00} because it's cheaper than XXXX and no contract XXXX could do so. The XXXX bill stated I Owe XXXX XXXX with XXXX {$0.00}. But I paid my final Bill with XXXX {$88.00} on XX/XX/XXXX because the next bill cycle states XXXX balance due or owed. So it stated from XXXX XXXX balance Now I think this is all clear up good to go nothing owed. I get a surprise in the mail XXXX billing me one time charge {$150.00} I have paid for any equipment in the beginning with a receipt for phone charger and case {$100.00} plus first statement was {$240.00}. Which {$88.00} was for first month and so all equipment was paid for in full. So where is the {$150.00} come from and no one could tell me at XXXX. Then statement XXXX read now {$300.00} a balance past due {$150.00} and one time charge again {$150.00}. What in the world???? No one at XXXX could explain this to me or show me a conversation or contract of this one time fee twice to amount to {$300.00}. So I don't owe it I have the invoice and statement from my bank and XXXX and have ask the Credit Bureau to verify and send me proof of where this fee came about and to this day XX/XX/XXXX. No one had produced it to me. So I digress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
They gave false information to my bank will be getting sued if need to. They have my credit blocked as if ion have any credit against the law need this fixed immediately. Have called them several times get hung up on tired. Will be suing if this not fixed in 3 days been waiting 7 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please I'm having issue accessing my bank of america XXXX debit card online due to the lost of phone and couldn't have access to my email and phone number for verification code. 
Card number 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 2021-10-28 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: BANCO POPULAR DE PUERTO RICO
State: GA

Complaint narrative:
XXXX BANCO POPULAR XXXX XXXX XXXXXXXX XXXX XXXX id XXXX is reporting incorrect information to XXXX. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. XXXX ID : XXXX Is reporting inaccurate information on my XXXX credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my XXXX credit reportXXXX/ BANCO POPULAR XXXX XXXX XXXX reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021 I used PayPal XXXX to purchase products from XXXX XXXX online. On XX/XX/XXXX I returned the products to the XXXX XXXX and was partially refunded XXXX cents to my PayPal account on XX/XX/XXXX, Transaction ID : XXXX. I contacted the XXXX XXXX and they said that the balance was refunded to PayPal and directed me to the online receipt that shows {$1900.00} was refunded to PayPal cash. I opened a dispute with PayPal to recover the refund from XXXX XXXX, XXXX and PayPal said they needed proof that the products were returned. I provided PayPal proof the tracking information from the XXXX XXXX website that showed the items were returned.

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 2021-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check on Friday XX/XX/2021 the bank put it on hold to verify on Monday funds were in my savings the check was accepted on XX/XX/2021 the check got returned the company closed the account turns out to be that they scammed me I had already made 3 deposits via XXXX to XXXX XXXX email XXXX 2 deposits of XXXX dollars each and 1 deposit of XXXX the bank wont help me since I was able to use the funds I have filed a scam report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY XXXX XXXX FILE AND I HAVE SPOKEN WITH XXXX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
someone unknown used my identification and social security number and made some difficult investigation requests before my transmission without my authorization some companies that detailed below XXXX / XXXX XXXX from XX/XX/XXXX XXXX XXXX. XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I was attempting to do a loan modification with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to RUSHMORE and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both rushmore and XX/XX/XXXX that this was unlawful. I am victim of dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well

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 2021-10-28 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: NY

Complaint narrative:
Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well

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 2021-10-28 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: MO

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited {$650.00} on XX/XX/2020, XXXX, at Bank of America, XXXX XXXX, CA. location. The ATM number is XXXX. But the ATM got problem, took all my money in and only printed a receipt of deposit of {$300.00}. On the receipt shows they created an issue record that will be attached to my transaction. And call them to claim, number is XXXX. I went into the bank, they tell me to call the number. I called them on XXXX, they refund me a credit of {$300.00}. I got this {$300.00} on XX/XX/2020. I called them again says they still short me {$50.00}. They said they will make record and come back to me. But I never got respond. I wish they can refund me the {$50.00}. Every deposited I made on this account is {$650.00}. they can see the history.

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 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX loan id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report., ... ... XXXX. Loan ID : XXXX Is reporting inaccurate information on my TransUnion credit report.from XXXX of 2021 to now they are reporting my account as 149 days late. I have submitted several disputes through cfpb but XXXX  keeps verifying the account as accurate.This account is over 300 days late and should be closed. Please remove this inaccurate information from my TransUnion credit report.XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. Please block and delete this account from my credit report. XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 249 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 291 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 321 days past due XX/XX/2021 is more than 149 days late, XX/XX/XXXX is 354 days XXXX XXXX XX/XX/2021 is more than 149 days late, as of XXXX this account is more than 300 days late. Please block and delete this inaccurate information

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