vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The record on my credit report by SYNCB/BELK shows as " Paid, Closed/Never late. ( XXXX ) XXXXPublic Record '' I have already sent a written certified mail letter along with my valid Government issued IDs, utilitybills, my W2, cvto XXXX. But the items still is in my report. The Belk and XXXX  did not correct it. Following detail is aboutSYNCB/BELK reporting inaccuratelyand XXXX  maintaininginaccurate information in my credit file. 

My creditis hurting with inaccurate information as a result. This must immediatelybe corrected Details : 1. I have not and never opened a credit card account with this company at all. The item in my credit report shows a Paid / Closed Never late public record. And the account is closed. It is inaccurate information that is hurting my credit. 

2. The company also reported my address incorrect - a post office address XXXX XXXX XXXX XXXX, GA XXXX. 

I do not and have never lived at the post office address. XXXX  did not correct this information as well. Also Belk did not correct this information as well. This inaccurate information is hurting my credit. 

3. My name is also reported incorrectly - XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Name ID # XXXX Report Number 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 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
Back in the summer my chime card was used for a few transactions that I have verified with XXXX and the hotel are all card not present transactions. I opened a dispute with chime in which they denied the dispute because the thief didnt check the balance and because I had money come in during this time period. I made an FTC complaint and on XX/XX/XXXX they reopened the dispute.. which as of today they are still working on i am out over XXXX while they leave it in an indefinitely pending status. I have tried multiple times to contact them regarding this and literally get ignored. One of the transactions is a hotel in OHIO I uploaded a WHOLE TIMESHEET showing at the time of the transaction I was in Arkansas presently working so I could not possibly have made a purchase in freaking ohio like I said before i called the hotel and XXXX and confirmed none of the transactions were in person so obvious fraud. 

See attached screenshots and documents I have more if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase allegedly deposited a " Government Stimulus Chase 30 day Overdraft Assistance Credit, '' without notice or a promissory to repay. 
My stimulus money and paycheck both were deposited XX/XX/XXXX, and Chase allegedly still processed this " credit '' to my account the XXXX. 
I received a letter XX/XX/2021 dated XX/XX/2021 notifying me about the " credit '' and that it would be debited on XX/XX/2021. 
Problem is- Chase reorders transactions and adjusts account balances so the " credit '' wasn't initially visible to me on the date it is now published. I had no change to my account balance and to date can not tell if the funds were ever received. 
There's a process banks can do that " hold '' funds. The transaction appears listed in real-time, yet isn't real and can be released back into the account or to the " holder '' by a given date or authorization ... .In my case Chase is the holder- I didn't ask for or need this " credit, '' and now they are about to debit over {$1600.00} from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX  XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.

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 2021-02-07 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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I have been writing Ford Credit Executive Analyst XXXX XXXX. In reference to a paid off car loan that was paid in full in XXXX. To give you a little history this loan included several extensions granted from the Leander. I was told that these extensions were a courtesy and not be treated as late payments. After i was denied for a home loan i checked my credit and was surprised to see how all those late payments were associated to my paid off account. Under the Fair Reporting Act. Company 's reporting to the bureaus should be acquired. Ford has 14 late payments, late to the three bureaus but sent me letters stating 19 .Now they are changing the amount to 18 so you can see how I feel my rights are in violation! I've made several attempts to resolve this matter and they have left me no choice but to file complaints against them. I would like them to explain how they granted me extensions with out changing the number of months of the original loan. Before i Serve ford with a lawsuit for damages due to XXXX XXXX Handling this case I'm make every attempt to get this account changed to paid in full never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: IL

Complaint narrative:
The news reported that Biden was considering forgiving XXXX in student loan debt, literally after the story hits the news, OSLA puts false information on my credit report as if some one is running up a bill in my name. Photo is attached of what my credit showed that they posted TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had 2 credit cards accounts with Capital One. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted capital one, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted Capital One 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through XXXX  3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at Capital One, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely XXXX sense, and when I call in the reps are very apologetic but they have said I need to write to them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I have a Conventional Mortgage loan with FNB Bank/Mortgage. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment ( XXXX, XXXX, XXXX and XXXX ) to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from FNB Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX  XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that FNB Bank / Mortgage reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( FNB Mortgage servicing employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, FNB Mortgage department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a Conventional Mortgage loan with XXXX XXXX. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment XXXX XXXX, XXXX, XXXX and XXXX XXXX to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from XXXX Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX XXXX XXXX reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( XXXX XXXX XXXX employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, XXXX XXXX department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: OH

Complaint narrative:
The credit card company XXXX XXXX XXXX  has reported two late payments to my credit report. I think this is incorrect and unfair reporting practices because of the fact that XXXX XXXX XXXX has admittedly been sending my credit statements to the wrong address. The representative that took my email address did not enter it in correctly ; therefore, I was unable to login/access my account for over a month. 

I called XXXX XXXX XXXX on XX/XX/XXXX after seeing that my credit report was updated with delinquent payments. I explained that I had not received a credit statement yet was reported delinquent. The rep proceeded to look into my account. She asked for my email address. I gave it. She then noticed they had the wrong email address. They spelled my name wrong in the email address. 

I have never had a late payment before or after this incident on this card. 

So, I then made a large payment covering half of my current balance and requested that the email address be corrected and that they remove the late payments on my credit. I was promptly sent a letter roughly one week later from XXXX XXXX saying they reporterd correctly and will not be removing the late payments. 

This is very shady business practices. It was clearly a clerical error on their part, which in turn prevented me from even being able to access my account information ( because my email address couldn't be used to set a password since the email was incorrect ). 

I had a near stellar payment history until this occurred. I am disgusted with XXXX XXXX 's lack of responsibility, which clearly occurred due to their representative lacking English language skills. Not speaking English is fine, but screwing up the spelling of a customer 's account information and then holding them accountable because you can't understand them is not acceptable. If I would have received my statements, the bill would have been paid on time, no questions asked.

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 2021-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, a mortgage with Bank of America that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. Bank of America did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with Bank America that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. Bank of America will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting Bank of America monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.

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 2021-02-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX  XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.

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 2021-02-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Prizm Financial Company, LLC
State: OH

Complaint narrative:
Prizm Financial was closed XX/XX/XXXX with the balance paid in full. Case # XXXX XXXX XXXX, Ohio. Prizm continues to report monthly to XXXX  that a balance is still due. I've disputed this several times through XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX all of which corrected the information before Prizm reported falsely again. I spoke to Prizm Financial XX/XX/XXXX who confirmed the account is closed and paid in full. They assured me that the false monthly reporting has been corrected and to contact XXXX  but it isn't corrected. I keep going in circles with them and it's going no where. So please assist with this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation