vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: DC

Complaint narrative:
I was out of work for a few weeks and missed 4 payments on my student loans. When I returned to work I made all past due payment in full. FedLoans reported the missed payment on my credit but instead of reporting the 4 missed payments overall they took each individual loan and marked it past due 4 payments so instead of 4 missed payment it reads as 20 on my credit report. I reach out to Fedloans and was given paper work to submit to correct the issue in mid 2020. I was emailed back and told that I had already requested changes to my account that were approved and nothing could be done further. I never made any request previous to fix this or any other issue and they are telling me all the information is correct when it not.

Details : I have one student loan account.

I am invoiced for 1 payment monthly I make 1 payment monthly Fedloans however reports it to the credit reporting companies individually. This has and is destroying my credit rating and is not accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I write you to address cascading events sprung by serial errors of Citizens Bank XXXX XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, XXXX XXXX XXXX, XXXX ( attached ). Now, my credit score has been damaged by false reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Ive reached out to Credit Collection Services for validation of this debt twice via certified Mail and three times via phone call still have not received a response. I havent received any notice of this debt before it was placed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This is XXXX XXXX and I'm sending a complaint on an account that has caught my eye. The account SYNCB/XXXX  with account number XXXX was not mine. There must be an error with XXXX 's investigation since it is only reporting on their Bureau. Thus, this account is already closed and old. It should not be displayed on my file. I suggest to supply any documentation to attest that the account was in fact mine or for everyone 's convenience kindly erase this on my file.

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 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was going out of town and made an early payment for my credit card on XX/XX/XXXX for the XXXX XX/XX/XXXX statement closing, and the XXXX statement closing was on XX/XX/XXXX. Monday XX/XX/XXXX was a public holiday, hence I made the early payment. I had already made a first payment for the XX/XX/XXXX statement closing on XX/XX/XXXX. The intention of the XX/XX/XXXX payment was for the next billing cycle. However, I was charged a {$25.00} late fee on XX/XX/XXXX because the XX/XX/XXXX payment was not applied towards the XX/XX/XXXX statement closing. I called the credit card issuer and explained to them on XX/XX/XXXX - spoke first with representative XXXX, who declined to assist. I then escalated to XXXX 's supervisor, XXXX, who also declined to assist. I requested the bank to review my long history with them, and how I have been consistently making payments on time. I requested to appeal both their decisions, and then was transferred over to XXXX, who also declined my appeal. All 3 of them said that they could not manually apply the XX/XX/XXXX payment towards the XX/XX/XXXX due date, and they were unable to override the system generated late fee. They acknowledged they could see the double payment in the XXXX billing, but they could not refund me the late fee just because of my good intentions. I am now afraid of being reported to the credit bureaus for a late payment, which I actually was early. Perhaps too early, but now I am being penalized for paying too early.

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was notified that I had an inquiry on my XXXX Credit Report that an account was opened with TD Bank NA using my social security number on XX/XX/2022. I called TD Bank Fraud line and they told me that debit accounts were opened under my name and social, and they went ahead and closed both accounts today for me ( XX/XX/2022 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
So over a year ago I was told by the IRS that I had my tax refund going into a certain account they gave me the routing number they gave me the account number and they also gave me the phone number to American serve OK Ive called them repeatedly about at least over XXXX times to get this settled in XXXX the IRS contacted American serve sent them a letter of XXXX and I still havent received my funds I was told by American serve within XXXX days after the letter of XXXX that the funds will be sent back to the IRS and the IRS will

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
Bridgecrest has been the company managing my auto loans from XXXX. I purchased a vehicle and traded it in a few months later. Bridgecrest sent a paid in full letter for my XXXX XXXX XXXX once it was completed. The new vehicle, a XXXX XXXX from XXXX, had an engine issue and XXXX agreed to swap the vehicle for another. I now have a XXXX XXXX. 

Bridgecrest has failed to mark the loan from XX/XX/XXXX as paid in full across all bureaus. They are killing my debt to income ratio AND credit score by reporting that I have 2 auto loans totaling about {$80000.00}. This is FALSE! I only owe for the them for the XXXX XXXX! 

As of XX/XX/XXXX, I keep getting MyXXXX alerts that I have a new account with Bridgecrest. Screenshots attached below. 

On XX/XX/XXXX : XXXX trade-in XXXX XXXX Paid off on : XX/XX/XXXX Check amount : {$31000.00}

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 2022-02-15 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My Chase Freedom credit card was charged in the amount of {$1700.00} from XXXX XXXX XXXX XX/XX/XXXX. 
I never approved or used my Chase Freedom credit card to be used on XX/XX/XXXX. 

This charge started out in the amount of {$330.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Rental Record # XXXX economybookings that was charged to my XXXX bank card that I used. 
XXXX bank resolved this matter after investigating and ruling in my favor, to later find out that this same charge was transfered to my Chase Freedom card with accumulated interest totaling {$1700.00}. 

I have been trying to resolve this matter since XXXX XXXX when it first appeared on my statement. 
Chase have sent me a about 2 letters regarding this dispute not being resolved, and i have twice sent the documents Chase have asked me for. 
This is dispute have gone on too long, and I would have like to put this behind me in the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-15 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
This is the second time that my account has been placed on XXXX XXXX XXXX XXXX XXXX when I definitive proof from my Insurance Agent that they deliver proof of Insurance annually to the servicer, XXXX  XXXX XXXX. I had to seek a refund last year. This year, they sent me a letter advising i was all set after I re-sent the proof of Insurance yet they escrowed for it all the same. I am due a refund of 2 months of escrow, immediately. It is a nightmare to get to someone to discuss and once transferred, have to go thru verification a third time, once on the phone and 2x to AGents. WORST SERVICER

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 2022-02-15 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Community Loan Servicing my mortgage provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program, witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative, that on XX/XX/XXXX Community loan servicing sent letters to 3 credit bureau to remove incorrect information.I talked to XXXX representative on XX/XX/XXXX and he could not confirm that any disputes were initiated by the lender. I attached copy of the forbiddance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC
State: NJ

Complaint narrative:
I contacted credit center in regards to a medical account I recently noticed in my credit report, Working with a financial counselor we mailed out a debt validation letter on XX/XX/2021. It has been over 45 days since I reached out to them and they have yet to validate this debt I don't recognize, A direct violation of the fair credit reporting act..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX has placed an hard inquiry on my Equifax credit file. This allegedly happened on XX/XX/2020 without my consent. I contacted a manager in credit review department and I provided my social security number and reference number. The manager could not found my personal information nor the previous alledged credit card application details in their database. Since I didn't authorize to receive or apply for credit with XXXX XXXX XXXX XXXX. I am requesting them to contact Equifax and remove this inquiry from my credit report immediately. Equifax has blocked me from having access to dispute this hard inquiry. I've attached two exhibits showing that both XXXX XXXX XXXX XXXX and Equifax are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
I have been disputing UNITED CONSUMER FINANCIAL SERVICES on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is ( XXXX ) XXXX on XXXX XX/XX/2022. I called XXXX before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
arg is desribing what they did to me by disclosing this info in description of services provided which violates hipaa rules as to my condition and opens them up to lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company Equifax is allowing an alleged unvarified debt to be reported on my account. This alleged account has no company name attached to it, only an account number. I have reached out to Equifax via mail and have not gotten any response about the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I was sent a text from a number I do not know asking me to click on the below link. I am not clicking on something that I have no idea what it is. It was from an office... Wakefield and Associates. I do not know this place or have any debt to be paid.

Company response to consumer: Closed with explanation