vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union has my credit file locked. I am trying to get my credit file un locked. Trans Union provides instruction through its service XXXX XXXX on how to do that. They provided a website that tells me I can cancel my true identity account which will unlock my credit file on line. A web link is provided in there service agreement which states that by going to the page I can select the link and cancel at anytime however when you navigate to the link provided there is no way to cancel the true identity account. The link is XXXX XXXX XXXX XXXX There is a phone number provided XXXX however it does not offer anyway to cancel, or get to a person. There is a prompt that tells you to select if you want to unlock your account but when it is selected the call disconnects and I am hung up on every time.

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 2021-10-20 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: NY

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  an email was received : " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. '' Background is : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Experian that they will not be willing participants in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian responded to complaint XXXX please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. To escape responsibility Experian closed complaint XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : AS the Experian XXXX 30 day results summary, promised before XX/XX/XXXX, has not been received please provide in response to this complaint. On XX/XX/XXXX Experian responded to complaint XXXX : They ( XXXX XXXX  ) responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. The result summary was sent to you for review on XX/XX/XXXX. Experian knowing the true facts contradicted its response again manipulated subversion of the true facts as reported by XXXX XXXX  XX/XX/XXXX and closed XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Experian 's XX/XX/XXXX response to CFPB XXXX disingenuously asserted : " ... The result summary was sent to you for review on XX/XX/XXXX ... '' This represents the 3rd request for the XX/XX/XXXX alleged " sent '' result summary which presents as never having been sent by Experian as they persist in avoiding my receipt and read of the XX/XX/XXXX summary result report. On XX/XX/XXXX CFPB knowingly cooperated with XXXX fraud ( contradicting true facts as reported by XXXX XXXX XX/XX/XXXX ) ; further suppressing XXXX refusal to provide its XX/XX/XXXX result summary and closed XXXX. You asked : What would be a fair resolution to this issue? My response was : If this is not intentional malfeasance, please respond with the alleged XX/XX/XXXX result summary that has NEVER been mail, or otherwise received by 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 2021-10-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Again, XXXX, XXXX And EXPERIAN Are Not Recording My Credit Report Accurately. They Insist On, Sticking Their Noses, In My Personal Finances. They Can't Wait To Put Negative Information On My Credit Report, To Lower It. If I Charge {$10.00}, The Next Day, My Credit Report Is Lowered. When I Pay Off {$1000.00} On A Credit Card, They Ignore It. Is This A XXXX, Discrimination Or The XXXX XXXX Issue?

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been a long time Chase Marriott Credit Card Customer. On XX/XX/21 I received a letter from Chase advising my account was past due. The letter stated " bring your account current by paying XXXX right away. '' I was not aware of any {$40.00} purchase, so I called Chase. I was advised that I had paid a {$240.00} ( ish ) bill on XX/XX/XXXX, but the bill was {$240.00} and I was therefore XXXX delinquent. I asked what I had purchased for {$40.00} that was delinquent and I was told that was the current minimum payment for the card ( my renewal fee which was on my XX/XX/XXXX bill, not due until XX/XX/XXXX and therefore not late ). So Chase was dunning me for XXXX and attempting to make it appear that I actually owed {$40.00}. No one was able to explain why this was being done, but it is clearly improper to XXXX me for a bill that is not yet due. Further, to take this level of action over XXXX on a card that is always paid on time and in full ( except, apparently, this once for XXXX ). Finally, I note that I did not receive any invoices from Chase in XXXX or XXXX advising me of the outstanding sum of XXXX. Had I received an invoice, I would have paid it. Chase 's actions are very unfair to consumers - I was super stressed, concerned that my credit report would be impacted due to a late payment. I wasted 30 minutes on the phone with Chase only to learn that this was all the result of a XXXX issue. I have since cancelled my Chase card as I believe their actions to be a violation of consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
There was a Home Depot Promotional offer put on my account that I was not aware of until the end of XXXX. Talking to customer service they told me that when you make a purchase over XXXX you get XXXX interest for 6 to 24 months which I was not aware of. Paying more than the minimum payment to help pay off my debt I was told that interest would be applied to my account in XX/XX/XXXX from the promotion that I was not aware of then they extended to XXXX XXXXi send extra monies and they did applied it to there promotion that I was not aware of until I called and ask them why the monies was not being applied to my account they tried to making adjustment but only did it for XXXX not XXXX.Started auto pay too off set the payments so i could get these promotion pay off and separate the monies i was sending to Home depot they take off auto payments and did the same thing again not applying the monies to the promotion. now i will be hit with a XXXX in interest on XX/XX/XXXX that i have already paid if the would of applied the extra monies to there promotion in XXXX and XXXX now they say they can not go back one year and make adjustments. I have all my statement showing the extra money being send.

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 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX, the mortgage note I Signed and prepared by the bank stats clearly as you can see in the attached document that XXXX  should be removed automatically on XX/XX/2021, contacted WellsFargo and they still charged me XXXX  for XXXX, XXXX, XXXX, and it is still there for XXXX payment

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 2021-10-20 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: TX

Complaint narrative:
On XX/XX/2021 I sent certified mail to Equifax advising them of me being a victim of Identity theft and I do have the Certified Mail receipts. It has been over 30 days since EQUIFAX received my correspondence which contained my VALID DRIVERS LICENSE, Notarized FTC ID THEFT AFFIDAVIT, FTC Report and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
Account Name SETOYOTA FIN DBA OF WOFC Account Number XXXX Date Opened XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$8400.00} Collections is not from original creditor. I do not owe SETOYOTA FIN DBA OF WOFC - ( account # XXXX ). 

Under the laws of the State of North Carolina UCC ( The Uniform Commercial Code Section operates under Chapter 25, Article 9 of the North Carolina General Statutes to provide a method of giving notice of a security interest in personal property to interested third parties. The method adopted is a " notice '' filing system ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I was not given prior warning before the vehicle was repossessed after I told them I was going through financial hardship. I never had a contract with the company that came in the middle of the night and took the car. 

This company needs to provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
XXXX and Equifax are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX, demand a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S.Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I previously received a letter from XXXX XXXX XXXX  sometime in XX/XX/XXXX concerning a transaction on my bank account. I sent them a letter XXXX XXXX discussing the matter and disputing their claim, in which they never responded. This account was sold or sent to Sunrise Credit Service without any investigation or answer to my dispute. I then viewed my credit report noting an alleged account to Sunrise Credit, saying that I owed them {$1700.00} on my reports. On XX/XX/XXXX, I sent them a dispute asking them, among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I had owed them. They then sent me a bill but no contract or other obligation with my signature or anything to prove they had the right person or it was me. On XX/XX/XXXX, I sent them a final goodwill attempt, with law showing the same allegations asking them to clear up this matter or prove that this account was mine. They disregarded or ignored my request again, sending me the same bill, with no explanations. I understand with federal and state law, under the FDCPA, FCRA, and others, that consumers have rights, particularly, to have alleged debts be verified.

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 2021-10-20 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:
All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.

Company response to consumer: Closed with explanation