vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. I can see that the Negative Items which affect my scores are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
On XX/XX/2021 a hard inquiry was posted to my Equifax credit report from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by XXXX and they have confirmed this was not initiated by them. I have contacted Equifax who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC  website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why XXXX would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is about Experian credit report scores that are different when scores are accessed from two different sources. I pay for a credit monitoring thru my bank, I received an alert and check on it at approximately XXXX XXXX XXXX XX/XX/2021 It showed an excellent rating of 780+ from Experian. I also got an alert from Experian, I check on the score about 3 minutes later and it showed a good rating of 720+. How can these numbers be so different. when the same agency is being used to check the scores within 3 minutes of thing to check scores. It appears when I access the Experian website it wants to sell me something to boost my score, and if I purchase one of the products my score will be boosted. This tells me that Experian than manipulate the scores at will. Lowballing your score so you buy one of their products.

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 2021-11-24 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: MD

Complaint narrative:
Hello I have been trying to get a bankruptcy off my credit report with Equifax and the refuse to remove this item, this matter is affecting as far as applying for credit this haves been going for 90 days .I have in send in all documents from XXXX XXXX, and Bankruptcy  court and my own request letter. They are the only company with this fraudulent information and this is against consumer rights. And as far as XXXX they refused to remove fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX  years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX  card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to use my XXXX card to make the charge. The incompetent employee of course completely missed all the points of my complaint starting with the fact that I should not have had to switch credit cards and should be allowed to use whichever one I want especially since I pay my balance in full, on time every month even when navy federal says my minimum payment is only {$20.00} or {$0.00} I still pay the balance in full and I am nowhere near my credit limit!!!! There was also no explanation as to why my XXXX card would suddenly require an authorization code for a charge that had already been recurring for 48 months!!!!! Navy federal doesn't seem to care about how embarrassing it is to have a perfectly valid credit card be declined for a legitimate recurring charge!!!! COMPLETELY UNACCEPTABLE!!! This is also my only phone service and my only means of communication and I was about to lose my phone access because of navy federal 's complete incompetence. I also asked in the email for confirmation that nothing like this would ever happen again but the completely incompetent employees refused to provide such confirmation. Even when I do EVERYTHING right and pay my credit card bills on time and in full, navy federal still manages to find a way to completely XXXX me over without any regard to my rights!!!! I need to speak to someone with a first and last name who will sincerely apologize for the problem ( although I probably won't believe them ), explain why navy federal denied the legitimate charge, what is being done to prevent this from ever happening again, and explain why navy federal is continuously looking for ways to XXXX me over and make my life XXXX unnecessarily!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XXXX/XXXX/2021 until this date, it's been over a month but I never received any letter or notification from your company.

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I want to make a complaint with Bank of America and with I guess with your company as well. I report a few claims of Fraud with my checking account with Bank of America because I have identity theft reported on my credit store. There is a address and name that is on my credit report that I dont recognize and Im having issues with fraud on my checking account. I guarantee that these too issues are related and this person is using my account and stealing my funds and Bank of America is saying that they are not paying the claims. I already reported this to your company and I received a email stating that I needed to call and confirm some information which I did and left a few messages and I have not heard anything back. This is beyond frustrating because this person was using my account and taking my money and theres nothing being done about it and they are getting away with it. I attached files on my last report so they should be on file. Please reply back to me as soon as you can it would be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: PA

Complaint narrative:
Hi On XXXX/XXXX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: GA

Complaint narrative:
I submitted my FTC fraud report, FTC report # XXXX to Transunion on XXXX XXXX, 2021. I called Transunion on Monday XXXX XXXX2021.On that day, I spoke with XXXX XXXX XXXX a fraud department employee of Transunion.I asked him did his company receive my FTC Report XXXX He confirmed they did receive it. I then stated that pursuant to 15 USC 1681 C-2a, once the report was received by Transunion, the fraud thats on my credit report has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, he told me they have 30 days to remove it. I stated the law again and requested to have the fraud removed, He once again denied my Demand after again giving me confirmation of the receiving of the report of the fraudulent account from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2a - Block of information resulting from identity theft U.S. Code Notes, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Vehicle was total damaged in an automobile accident on XXXX/XXXX/20 {$1000.00} deductible was paid in full after receiving notification 60 days later. 
Ally reported as a write off to XXXX XXXX XXXX credit agencies when it should be notated as paid off in full. To this date Ally refuses to change status with these agencies causing a blemished credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
In XXXX, I had taken out a loan with XXXX XXXX 's, although the interest rate was a bit high the payments were around {$50.00} and were very manageable. A life event came up and I needed more funds so they presented me with an offer to refinance since I was already near payoff, I went ahead and jumped on the offer and took out another loan. Once more after the 2nd time I needed to borrow additional funds - by this time my loan was paid off so I decided to reach back out to XXXX for a loan however, the name had changed to Uprova  but I figured it would be another affordable loan. I called Uprova over the phone while driving to see about getting another loan and was approved - I agreed to receiving the loan because I thought it would be affordable with a manageable loan payment ( like with XXXX ) but I was completely wrong! Instead, my interest rate is XXXX XXXX!!! I borrowed {$1300.00} and by the time I finish paying them back I will end up paying {$3900.00}. After realizing this I called the company ( in XX/XX/XXXX ) but they stated there was nothing they could do. Since it is the holidays I reached out to them today ( XX/XX/XXXX ) and they stated they could change the number payments i have remaining from 5 to 4 and reduce my payment from {$210.00} to {$180.00} ... not much help at all but I will take what I can get. I am so upset that a company would take advantage of an individual knowing I was on the road and unable to read or review what I was signing up for. I would like to be credited back the money they have taken from me. I know loans have interest but 400 % is ridiculous. I continue paying this because I don't want my credit to be impacted but this company is clearly taking advantage of consumers. I'm reaching out to the CFPB for help with this matter...

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello, XXXX to XXXX i had my mortgage in forbearance for XXXX mos and was approved by Suntrust Mortgage XXXX I called Suntrust XX/XX/21 to discuss my options and i choose payment deferral, received a letter stating that my request is being processed and i shall receive in the mail specific documents in XXXX  days to sign and return according to instructions. I called Suntrust XX/XX/21 to follow up on these documents and was told again that is being processed and to wait and follow up if i didn't receive it. 
I called again Suntrust on XX/XX/21 to followup on the documents and this time i was told that i need to pay XXXX $ in order to receive these documents, the rep was not helpful was rude and aggressive, also said that the Suntrust doesn't send documentation to inform me of these " new changes '' they started a month ago. 
I strongly believe they are playing games and want to put my house in foreclosure. 
I did everything i was told and i followed up with phone calls regularly and i made payments until XX/XX/21 towards my escrow. 
I believe either Suntrust reps are incompetent or given directives to be nasty and recover as much money upfront. One certain thing is clear Suntrust is not helping me with this situation and no fault on my part.

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. 
NAME OF BANK BANK ACCOUNT ROUTING NUMBER DATE ACCOUNT CLOSED BANK OF AMERICA XXXX XXXX XX/XX/2020

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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Century First Credit Solutions
State: NY

Complaint narrative:
Hello CFPB team. 

I was paying for more than 1 year around {$400.00} month to mouth for credit solution the company name is Century First Credit Solutions Inc of XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX New York XXXX .Tel XXXX, They never answer the phone, they never did any solutions, I have a copy of the emails sending, asking my situation. If you see the real bad reviews of XXXX can verify that its true by the amount of complaints and claims of scammed customers. I appreciate all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I bought a vehicle in XXXX. I moved to XXXX. This vehicle was financed by Citizens Bank. I have tried from the months of XXXX to XXXX of XXXX to get my bank to send my title to my local county clerk in order to transfer the vehicles registration from XXXX to XXXX 

The bank 's customer service at first sent the title to the wrong address and then failed to send it to the correct address or be helpful in any other way. The county clerk has never received the title. Calling the bank 's customer service never advances the issue or gets them to send the title to correct address or work with the county clerk. I have been hung up on multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: AL

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-11-24 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: AL

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of XXXX, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There were several Chase account opened up in my name. I immediately notified the Chases fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Chase continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.

Company response to consumer: Closed with explanation