vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent several complaints to XXXX  and Equifax about fraudulent accounts and inquiries ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ), Fraudulent Inquiries : 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 stop closing these complaints and not investigating my claim. There is no credit repair company helping me I, XXXX XXXX is the only one disputing this fraudulent charges and inquiries. Existing complaint numbers XXXX, XXXX, XXXX. My job and top secret clearance is in JEOPARDY because of these fraudulent accounts and Inquiries. I have to provide for a family of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My father have a problem with Popular Bank in Puerto Rico. 
My father is XXXX years old, Im his daughter and I suggest to him to open the MyBank app to make his payments, to avoid the process of going to the bank due to the covid situation. Sou, the problem is when I check his accounts, I see some transactions with the name of XXXX, in total 5 transactions in 1 month with the total of {$1300.00}. In-authorize transactions ( the bank at no time call and inform about the transaction with the client ). Sou I decide to investigate, since when my father have this transactions. Since XXXX XXXX my father have this trouble, in total 14 transactions with a total of {$1600.00}. 
XXXX XXXX {$29.00} XXXX XXXX {$18.00} XXXX XXXX {$70.00} XX/XX/XXXX {$7.00} XXXX XXXX {$25.00} XXXX XXXX {$12.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$400.00} XXXX XXXX {$240.00} XXXX XXXX I call the customer service and communicate with fraud department to make a complain and open the process to investigate the situation. The person I spoke with, told me that even if I submitted the claim for 14 transactions, if they determined in the investigation process that if was a fraud they would me refund my dads money 60 days before the day of my claim. I waited for the bank to finish its investigation and the determined they will only return the amount of {$29.00} that was the first transactions, since 13 transactions pass 60 from the first incident. XXXX XXXX I call the bank again to receive and explication about this, and the customer service and the fraud department dont give me and answer. I decide to contact to see if there is any solution to this problem. My father has had all his accounts with Banco Popular ( mortgage, business account, savings account, auto loan ) for years and is not fair that his is treated like that. 
The reclamation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just about a year ago I finally ( with some browser related difficulty ) was able to use my online account at XXXX to obtain the first of two free credit reports. Using that site has since been clear sailing. XXXX  now offers six free reports per year as noted in an update to the FTC article at https : //www.consumer.ftc.gov/articles/0155-free-credit-reports. That squares with what is presently offered through my account at XXXX. 

CFPB may be aware that Experian now appears also to offer more or less directly, from Experian Consumer Services ( ECS ), at least one free credit report, at https : //usa.experian.com/registration/? offer=at_frsas102 & br=exp However, is CFPB aware of Experian 's Terms of Use Agreement , accessed with the link at the bottom of the " Registration '' page above, at https : //usa.experian.com/registration/ # /termsOfUse? 

Specifically, in Terms, in the first of the last two paragraphs under FCRA DISCLOSURES : " The credit report you are requesting from ECS is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. " Well! After perusing DISCLOSURES and not being an attorney, I have come away uncertain as to just what I would get if I registered as above. DISCLOSURES states that the report from XXXX is " comprehensive. '' But what, specifically, is the difference between the report offered above and one that complies with the FCRA? 

As yet, I have found no such distinctions in the XXXX Account Agreement and Terms of Use, at XXXX XXXX XXXX  or in my report from XXXX XXXX XXXX XXXX XXXX 
Yes, it is true that XXXX  offers several distinct options including " XXXX/FCRA '' at XXXX XXXX XXXX XXXX XXXX 
But, that appears to be more about the " circumstances '' under which a report is requested than it does about the information contained in the report provided. 

It would be nice to be guaranteed at each company a FREE credit report that was substantively the same as the so called FCRA report, through A UNIQUE ONLINE ACCOUNT AT EACH FOR WHICH I HAVE REGISTERED. 

Can the CFPB shed any light or, perhaps, a little force on Experian 's Terms of Use Agreement?

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge

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 2020-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler Financial and the selling dealer have XXXX  this account up since day one. Constant issues. Finally able to setup auto pay for XXXX   payment and forward. No issues until I get a past due in the mail today XX/XX/XXXX showing no XXXX, XXXX, or XXXX payments made. XXXX?! Its on autopay, if there was an issue tell me in XXXX, or XXXX orrrrr anytime?! Same pattern of negligence and inconsistency since day 1. Every account rep has a different story, no information can be trusted, and nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I have paid {$15.00} more a month on my mortgage payment since day 1. They can not tell me what happened to the extra money yet they claim im behind. Now Amerihome is saying i haven't paid since XX/XX/2020. Meanwhile they sent me back a check for {$500.00} saying there was no account to credit it to. However they did receive my XXXX payment, for {$590.00}, which they applied for XXXX of 2020. Now while i have made all mortgage payments and can show proof and have shown proof but i did not submit the increase for two months which was {$89.00} per month. I did send on XX/XX/2020 a payment of {$200.00} to cover the difference and the late fees. However even though they have received proof from XXXX XXXX  that all monies was sent they still say i owe them for 2 months. I have tried to work this out for about a month and a half now but they are threatening me with foreclosure.The supervisor Ms  XXXX was supposed to call me and as of today i have heard nothing. I was told by Mr  XXXX that he would remove the late fees and submit a request to have Amerihome investigate into the matter and remove their derogatory remark on my credit report to the credit bureau which damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on Experian XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. Experian XXXX  and XXXX  is reporting this account 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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge

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 2020-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom this may concern, Back in XXXX of 2020 I missed a payment on my credit card with capital one. This was due to some financial hardship at the time because I was switching from job to job. We did not have enough to make the minimum payment. This negative remark is reflecting on my credit score now and it is causing unnecessary suffering to me and my family. Our ability to secure low interest financing on loans is being affected. So in a good faith effort to resolve the issue I reached out to Capital One on XX/XX/2020 in order to correct the mistake. I tried to reason with them but they unfortunately did not work with me. It is unfair to keep this on my record due to my lack of ability to pay at that point in my life, it is now causing us harm and there must be solution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I returned a leased vehicle back in XXXX ( it was actually the same day XXXX XXXX died thats why its so vivid for me ) Recently I attempted to lease a new vehicle only to find my perfect XXXX credit score had dropped into the 600s due to some phantom {$11.00} balance on the closed account that has killed my credit score. GM financial was of little help since they never notified me, emailed, sent a statement or anything of the sort. I would have never found out otherwise. When I called them eventually they said they would submit a letter on my behalf and reverse it. I see nothing done!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30 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: ERC
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: AmeriCollect
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

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 2020-08-30 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: KEYCORP
State: NY

Complaint narrative:
I want to know the real reason from the case manager, XXXX XXXX, about what he really found in his internal investigation and why he used his tactics to exonerate me and my wife from XXXX if there was nothing mentioned that was derogatory ... they are so dismissive.. we have to bring into consideration there stewardship and job acumen ... because I want to know the real reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   XXXX and Transunion is reporting this account 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 2020-08-30 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: NY

Complaint narrative:
Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   Equifax and XXXX  is reporting this account inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I've reached out to the collection company " XXXX XXXX XXXX '' on XX/XX/XXXX who stated they were unable to receive the original consumer credit contract from creditor ( Barclays ). I've reached out to all three credit bureaus regarding this matter. I've reached out to Barclays to request the original consumer credit contract. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract.

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 2020-08-30 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: Phoenix Financial Services LLC
State: WI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've reached out to Chase multiple times regarding this matter. My first letter to Chase, I requested the original consumer contract on XXXX XXXX. On the letter I sent my social security number, address, drivers license and account number. Chase responded asking for more information regarding this account which I don't have. Chase have yet to send me the original consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the Saks for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like Saks told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.

Company response to consumer: Closed with non-monetary relief