vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/2021 This company is call tracing and calling everyone involved with me. 

They are not even letting me get into my account and may have sold it off with out reason or notice.

Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. 

People have so many XXXX and XXXX  complaints online. 

They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.

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 2021-11-14 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: FL

Complaint narrative:
In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XX/XX/2021. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.

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 2021-11-14 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: NY

Complaint narrative:
My recent Experian credit history is now showing a new home address in Delaware. I have never ever lived in the Delaware state. I have never ever had any home there. The same recent report is also showing that I have been employed by a company. I have never been employed by the listed company. I have never ever been employed in the US by any company. We contacted the IRS, the XXXX and the XXXX and they did all confirmed that they do not report such mistaken data to any credit bureaus. As Experian do not provide the precise list of such erroneous furnishers or sources of wrong data, they leave us without any means and without any recourses to have this bad information removed.

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 2021-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
hello; last year i reach out to capital one requesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my six year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14 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: TN

Complaint narrative:
I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.

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 2021-11-14 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: FL

Complaint narrative:
In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XXXX XXXX. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.

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 2021-11-14 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
In XX/XX/2021 I paid my final payment to Acima credit. They emailed me a letter congratulating me on paying off my loan XXXX XXXX. On XXXX XXXX I noticed in my XXXX credit report it is still being reported as open and the balance had yet to be reported since XXXX of XXXX. I contacted Acima and I was informed that they updated the account was closed on XXXX of XXXX. I also called XXXX and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit XXXX collection XXXX and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. XXXX XXXX is also reporting negatively on XXXX as this account is not mines it should be deleted from report. Collection was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against Victoria secret /comenity bank for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) Comenity/Victoria Secret is reporting positively with XXXX  % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on XXXX accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all XXXX bureaus. I will like to file complaint with comenity bank/foreve21 account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TN

Complaint narrative:
I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I have a car loan with Ally, I have not been able to check my balance on their website for XXXX weeks. I called Ally many times and they told me its because I almost finish paying the loan. 
Thats not a reason to block me from checking my actual balance and amount of interest on my account. 
It takes a lot of time to speak with someone at Ally and at this moment do not know any information on my loan. 
Every time I have the chance to speak with customer service they request me to make a payment with out telling me how much is for the actual Loan and how much is for interest and late fees. 
When I know for a fact that I can pay interests at the of the loan. 
Thats misleading of information, they should not omit giving the proper information. 
And I still have no information about a previous complaint that I submitted on XX/XX/XXXX with Ally.

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 2021-11-14 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
While doing online banking on my capital one account I saw alerts of a delinquent account from a credit bureau company. Further research showed that a company name AFFIRM had a loan in my name of approximatelyXX/XX/XXXXdollars ( could be more ) that I did not apply for and knew nothing about in delinquency status and had reported it to the XX/XX/XXXX credit bureau.. 
I called affirm to report this, I made an official complaint with them. The confirmation number for this complaint is XXXX. 
So someone had used my personal information to apply for a loan from this company. At no time did I receive any information from affirm regarding this loan or default of a loan. I found out about this through checking on my credit updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: OH

Complaint narrative:
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

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
Consumer complaint received 2021-11-14 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: TN

Complaint narrative:
I have several wrong items on my personal information such as misspelled names, wrong addresses, wrong phone numbers, wrong employment, and wrong spouse that I have attempted to get deleted. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current address and prove my identity.

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 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I was logged into my bank of America app and I noticed that there are multiple charges of {$54.00} by " XXXX  XXXX '' I didn't recognize the charges at all then I kept scrolling down on my charges history and I noticed lots of those charged in weird amounts for the same payee and I still don't recognize any of these charges, I made a XXXX search about the payee " XXXX XXXX '' and I quickly found out lots of people are posting about the same fraud issue and that it's long running scam, I called bank of America and informed them of the whole thing and started XXXX claims, reason for that is some of the charges weren't caught and had to make them separately, A few days later I was credited for the 2 out of 3 claims in the amount of {$100.00}, However the third claim in the amount of {$2200.00} was rejected and their response was " These charges were made by me or someone I authorized '', and no other explanation were given, I got curious as to why they would accept the other 2 claims as fraud and refund the money back but reject the 3rd claim just because it a higher amount, when they were all for the same well-known fraudulent payee.

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 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Enclosed is a copy of transunion credit report and a copy of consumers energy letter to me. The inaccurate information is the Last Payment Made which is dated for Trans Union XX/XX/2019 which is inaccurate and not the original date of Last Payment Made XX/XX/2019 which is accurate from Consumers Energy. Please investigate Trans Union for the misuse of credit reporting.

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 2021-11-14 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: IL

Complaint narrative:
In XXXX of 2021, I sent an identity theft affidavit and police report to Experian regarding my identity being used without my authorization. Experian removed accounts off of my credit file regarding the issue and then a few days later placed the same accounts back on my Experian credit profile. Being I sent an affidavit with no response, that affidavit stands as truth in commerce. The accounts that I reported not only need to be deleted, but also need to remain off of my Experian credit profile. Experian is also violating the FCRA by not getting back to me regarding the outcome within 30 days.

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been repairing and monitoring my credit reports for about the last 2 years. I noticed in XXXX that my score with Experian is about XXXX points different from the other reporting agencies. I waited until XX/XX/XXXX to see the new report and it remained the same so I reached out to Experian to no avail. Their phone service was unable to help me. I even chatted with someone who told me that someone will be getting back to me and no one did. Now when I try catting It doesn't work for me. I would like to know why the disparity of Experian and the other reporting agencies. I'm in the home buying process and feel that this will affect that process so this is very important to me. TY!

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 2021-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I first noticed this problem when Capital One didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my XXXX report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES. INC. d/b/a CHASE on November 12, 2021 via telephone and email. I reached out to a representative who told me exactly why I was denied. When trying to speak with a manager she was very rude and got silent when I stated my case. After saying hello several times and being on hold for and hour she disconnected the call.

According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I first noticed this problem when XXXX XXXX didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my Equifax report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
I received an email this morning stating that I applied for, a was approved for, an {$800.00} loan through Uprova. I have not applied for a loan through them and the banking information attached to the documents is not my information. 
The name and address are mine but I DID NOT apply for this loan and do not want to be responsible for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo mobile deposit hold policy, I deposited a check from XXXX XXXX  for {$920.00} on XX/XX/XXXX, on XX/XX/XXXX all the funds were available, I have made a few debit card purchases, and at XXXX XXXX on XX/XX/XXXX the deposit was placed on hold for the entire amount of XXXX, I called the Customer service department and was told the check was flagged " refer to maker '' On XX/XX/XXXX, I called XXXX XXXX and was told the check was paid on XX/XX/XXXX to wells fargo bank. I email a copy of the paid check to the XXXX XXXX and asked for a manger to call me. At XXXX XXXX called me and left a message from the branch and said I needed to contract the maker of the check. She did not acknowledge seeing the copy of the paid check. I called CS and asked to have this issues escalated and was told it would take 48 hours. Mean while my checking account was frozen with a negative balance and no funds until XX/XX/XXXX. when the hold would fall off. I did not know that a 7 days hold would be placed or I could have just gone to the branch to make the deposit and it was not even reasonable that the funds would be placed on hold after all the holds were release the next day after the mobile deposit. Once prof of the paid item was sent to the branch- the hold should have been removed.

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