vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: IN

Complaint narrative:
I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access 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 2023-03-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to inform you that theirs a negative items on my credit report have passed the statute of limitations and should be removed from my credit report immediately. These item is no longer legally collectible, and their presence on my credit report is unfairly impacting my credit score. 

The negative items in question is : XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove negative items from a consumer 's credit report after they have passed the statute of limitations. 

I have verified that the items in question have passed the statute of limitations in my state, and I request that you remove them from my credit report immediately. Their continued presence on my credit report is in violation of the FCRA and is unfairly harming my credit score and my ability to access credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
I have been making phone calls to City Bank and for some reasons these calls are dropping off without notice in the middle of waiting for the costumer representative to come back to me with a response. 
There are two charges on the same amounts of {$240.00} on XX/XX/2022 on my credit card statement. 
I have contacted Home Depot and they showed me that this receipt appears only once on their system. They suggested me that, it is probably on City Bank account double entered.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Purchased a shower panel with XXXX Bank of AMERICA CREDIT card. The product was faulty, and the vendor tried to resolve the issue, but were unable to get me the replacement in time, and I was without a shower for 4 weeks. I called the vendor, and they wouldn't help me. I called B of A, and submitted a claimm. they never asked me for any documentation, and sided with the vendor. they told me I could reopen the claim, and to " FAX '' the info to them. I faxed a 9 page written document including photos. After 2 weeks, they claim they never received it. I have refaxed, again, for XXXX, and they claim they still have not received it.

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 2023-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In XX/XX/2022 we did not adjust our payment to reflect the new escrow amount. I was setup on autopay through XXXX. I caught it in XXXX and called Lakeview Loan ServicingXXXX XXXX They stated that we missed the payment completely and gave me an email address to send my concerns to. I did that and they said that the payment was put into suspense and I owed {$230.00} to get it current and they would release the suspense payment. I made that payment on XX/XX/XXXX. They still say I am one month behind, but I am not. I think I still owe them {$500.00}. I have had repeated conversations with them and lots of email correspondence. I have provided all my bank statements showing that I paid every month all the way back to XX/XX/2022. Our credit is getting hit negatively every month due to this issue and I can't seem to get someone to help me. My credit score has gone down XXXX points to to their inability to resolve this issue. Please help me!

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 2023-03-10 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: OLIPHANT FINANCIAL, LLC
State: LA

Complaint narrative:
I saw a collection from OLOPHANT XXXX LLC drop onto my credit in XXXX, XXXX for a XXXX XXXX XXXX that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with XXXX through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, XXXX yeas later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the XXXX XXXX you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest XXXX data breach has an impact on my information, which might have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: CA

Complaint narrative:
My fico credit score is fluctuating alot. I just purchased a vehicle and they submitted several credit inquiries and made my credit score lower by XXXX points. I don't understand the extreme fluctuation of my credit score. I did have a bankruptcy in XXXX, but I have paid off my loans and closed accounts but my credit rating is still very low. Can you please explain this or help me fix this issue. I have a full time employment and home mortgage and utilities bills and some credit cards, but everything is up to date. Let me know if you need additional information from me like SSI #, etc.

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 2023-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  continues to show I am past due on a charge off account. There are no payment no due dates and the account has been charged off and balance remains. I have tried to pay multiple times and discover has refused to accept money from me. The Date of first delinquency is past the statute of limitations. This account should not be on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: PA

Complaint narrative:
Company - Bask Bank Toll free : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I made 2 attempts to opening a ( mileage ) Savings account at XXXX  on XX/XX/XXXX and received a Based on the information provided, we can not open a XXXX XXXX account for you at this time. XXXX XXXX - XXXX. Following that I ran a credit check and checksystems report to confirm there are no issues. I have an excellent credit score. I called up XXXX XXXX and asked them to provide a reason for the rejection or an adverse action notice with the agency information. I was told that they would not provide that and that they did not do any agency or credit check and hence are not required to provide any reason for decision or adverse action. Since the only other pertinent information is name and age I have reason to believe that the decision is discriminatory. I have reviewed the account qualification requirements on the XXXX & XXXX and can confirm that I meet them. Besides that, I offered to provide any supporting documentation including drivers license, address proof or tax filing proof and they declined that. My wife also applied yesterday XX/XX/XXXX and received the same message. We have reason to believe there is either a system issue or a discrimination ongoing in this scenario and hence filing an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Westlake Services, LLC
State: OK

Complaint narrative:
The XXXX XXXX XXXX that I and XXXX XXXX has been paid off. As a of XX/XX/XXXXXXXX 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 2023-03-10 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed that the account I had with XXXX XXXX XXXX loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed that the account I had with XXXX XXXX Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and XXXX  XXXX ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, XXXX  XXXX was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation.

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Here 's what I just sent Comenity, which services the XXXX store card account this is regarding, but I would appreciate CFPB 's assistance as well and thought it would be helpful for your records : Hello, I received a call last week from one of your representatives that said I was three months behind on my payment. This was a surprise. With few or no exceptions I have historically paid my balance in full. I've now analyzed how this balance accumulated. In XXXX, I made an online purchase of about {$170.00}, all of which I returned because the jeans did not fit and received a full refund, except for the {$7.00} return fee, which is my responsibility for missing. However, in the subsequent 3 months, Comenity charged 3 late fees and interest that got the balance to {$120.00}. The first time I was informed I had missed a payment ( let alone 3 ) was last week via phone. Meanwhile, my credit score has plummeted XXXX points over a {$7.00} late fee, and I don't even recall receiving mailed statements even though I have not sign up for paperless billing. This is unacceptable and unreasonable. I request reversal of the negative credit bureau reporting and a refund of the late fees and interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian removed 1 of the XXXX XXXX  accounts, but the other account where the original creditor is XXXX XXXX is still reporting. Please refer to complaint XXXX since I have already tried to get this resolved. I do appreciate Experian conducting an investigation and removing the other account. Unfortunately, this account has the same account number as the other collection that was reporting which is inaccurate. Also, I have no liabilities with XXXX whatsoever. The balance being reported is incorrect. Please remove this account from my credit report immediately. I have attached the cfpb complaint for reference.

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 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
( CREDIT ACCEPTANCE CORP NJ COMPLAINT ) Credit acceptance Corp, inside of XXXX XXXX XXXX in XXXX, New Jersey, is the financer for vehicle said in statement. They had me at about 23 % interest rate with a {$390.00} payment for a XXXX XXXXXXXXXXXX XXXX with XXXX miles on it. 


Early last year I purchased a vehicle from XXXX XXXX XXXX in XXXX, New Jersey, from the beginning the car had issues. It would shake violently, mind you this is right off of the lot, I had to bring it back to the dealership to get fixed. It took them about 34 days to fix my new vehicle, and I was out of my new vehicle for 34 days. After everything was fixed my vehicle drove okay besides a TPMS code going off. I was driving my vehicle about 2 weeks ago and my transmission went out of nowhere without any sort of noises, feelings, or just general malfunctions. I understand that credit acceptance Corp is already in a lawsuit with your organization and the state of New York, I wanted to let you know that this is also happening in New Jersey. They are financing lemons to people that are desperate for cars, hiking up their interest rate, and taking advantage of them. 

Thank you for reading this and taking the time out of your day, I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
In XXXX of 2022 I had a BPO done on the property for PMI removal. The evaluation came {$140000.00} lower than 3 offers I received on the property to be purchased just few months prior. The CMA on the house is {$500000.00}, Caliber itself send emails each month estimating the value to be at around {$500000.00} and the Evaluation came at {$360000.00}. Upon receiving the evaluation I called Caliber to request an appeal. I was told by a rude representative that that is not an option to me and there is nothing I can do to change it. 
After several more calls to Caliber, my case finny made it to the Service Manager, who called me on XX/XX/2022 and stated that she had listen tonal the phone calls I made to Caliber and I was wrongly told that I could not appeal the BPO, and I requested it within the time frame that allowed for the appeal, and because of this reason Caliber will order another BPO at their expense. On XX/XX/XXXX I met at the property with the new BPO to inspect the property. 2 month later, on my XXXX call to the bank to request the Evaluation, I was told that it was not completed because the Broker was not able to reach me and schedule the inspection. Again, I was in the house with the Broker who took pictures, on XX/XX/XXXX. 
I tried to talk with a supervisor, with a manager, they keep on taking messaged and no one is calling back. Meanwhile I am paying {$100.00} each month for the PMI. 
XX/XX/XXXX I received a call from another Broker trying to schedule a time for looking at the property. Caliber did not notify me they ordered another BPO. On XX/XX/XXXX he came to the house. I do not have any trust left in Caliber anymore. I am worried they are trying to get a low value on the BPO to not drop the the PMI. 
XX/XX/XXXX I show a letter saying The AVM ( Automated Valuation Model ) did not meet the LTV requirement. 
I feel hopeless. My LTV is about 60 % and its been a fighting to have Caliber drops the PMI. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: SC

Complaint narrative:
These accounts and inquiries are fraudenlent i have disputed these items like 5 times already with Equifax they have not removed these accounts. they have neglect my fair credit laws. I have sent in a police report fraud ad davit and copy of ID AND prove of residence and contacted the creditors. They have didi nothing to remove these acounts Accounts that are Fraudulent on his Equifax Credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation