vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
So many issues with this account I have been in touch with Jared with whom refers me to XXXX XXXX and XXXX with whom refers me to Jared. My account was enrolled in Covid 19 payment protection for XXXX and XX/XX/XXXX additionally the account was closed and I was passed around from department to department with zero answers then I was advised a change in credit profile during a world pandemic the only changes in question were a result of similar arrangements with other creditors most of which in writing and since corrected due to backlog yet XXXX refused to reopen and fix. I already had an active dispute as sole reason for getting the card was the manager telling me about 0 interest period yet they billed me interest non-stop Then last year in response to Consumer protection inquiry because they breached their covid 19 arrangement with me they fixed all was well until XXXX XX/XX/XXXX now they readded when I again followed up about the interest period. I have this in writing and verbal on a recorded line that this was both agreed to and then subsequently corrected yet now I am dealing with it all over again if they are not corrected I will have to explore all legal remedies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
On Monday, XX/XX/2021, I overnighted a payoff check to Chrysler Capital for my auto loan account. I received confirmation of signature and delivery that it was delivered on Tuesday, XX/XX/2021 at XXXX XXXX. It's now Monday, XX/XX/2021 and as of today the check has not been cashed and my account is still open. I submitted 3 requests via Chrysler Capital 's inbox feature and they continue to close my cases without doing anything. I called about this five times and was told each time the accounting department would look into this. I still haven't heard back. I called again on XX/XX/2021 and employee number XXXX told me I needed to fax a copy of the front and back of the cashed check. When I told her they had the check and it hasn't been cashed, she continued to repeat herself and then hung up on me. Now they have drafted my account again for another payment, interest continues to accrue and I don't seem to be able to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CT

Complaint narrative:
I got scammed after I used my bank of American to make a purchase through XXXX  both of the payment went to a fraudulent account and never received my merchandise or my money. I dispute the charges with XXXX XXXX who referred me to bank of America. After I filed the claims with bank of America for both payments, bank of America change the direct debit guaranteed rules and denied my claims and refused to reimburse my account. I asked to speak to a manager, the representative told me he's infact a senior account executive and that there's no one else who can help me. Please I need help to recover the XXXX dollar that I worked so hard for and was taken from me and my XXXX  children.

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 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a letter to kohls because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called Kohls immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-08-09 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: OK

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I was alerted to a drop in my credit score via my credit card company in. After accessing my credit reports from all three reporting companies, I discovered a fraudulent collection entry by Sequium Solutions ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ) on XX/XX/21, saying we owed money to an internet provider and claiming we lived at an address we never lived at. We contacted the collection agency, Sequium, who made NO attempt to resolve our issue. They seemed only set on collecting as much personal information from us as they could. We declined to provide any additional information. We have filed disputes with all three reporting agencies alerting them to the fraudulent collection claim as well as asking to remove previous address entries and phone numbers that were fraudulently added to our personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I closed my Barclaycard Visa XXXX XXXX  card on XX/XX/XXXX. It was paid in full and had a {$0.00} balance. In XXXX they sent me a {$100.00} check for the remaining credit in the account. ( See statement from XXXX final payment and statement from XXXX with refund balance check attached ). 

There were no Statements between XXXX of XXXX and XXXX of XXXX because the account was closed In XXXX of XXXX, I was notified of activity on my closed account. I called the support center to notify them that the credit account was closed and there should be no activity. They said they would close it and the activity was a credit/payment of {$630.00} that they would mail a check to me to make the balance {$0.00}. This was necessary to close the account. 

After the Statment was posted on XX/XX/XXXX, they mailed a check ( XX/XX/XXXX ) and re-closed the account. I cashed the check. 

Then on XX/XX/XXXX they mailed a letter ( attached ) saying the payment was a mistake that they have corrected by adding a debit on the account that would be due on my next billing statement XX/XX/XXXX. The debit was pre-dated as XX/XX/XXXX with a posting date of XX/XX/XXXX. ( See screenshot from account and statements from XXXX and XXXX ). 

To Summarize, Barclays is now asking I pay them {$630.00} on activity that should not have been allowed on a closed account. The XXXX statement has not yet closed, but I have already called them and am concerned that they are demanding money for their errors in addition to making transaction on my closed account, predating transactions on my account and potentially applying APR to those transactions when the account is closed and I have, in my mind, no formal agreement with them on APR terms. 

What are my options?

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 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: IN

Complaint narrative:
# 1 : In XX/XX/XXXX XXXX XXXX reported to the credit bureaus my account was in collections. This continued until XX/XX/XXXX. 
This information was FALSE and damaged my credit score. 
To this day, I still have never been notified our account was ever sent to collections. 

# 2 : XXXX XXXX charged off my account in XX/XX/XXXX for {$7900.00}, yet still continues to report to the credit bureaus monthly increases and late payments to my account. The account balance is now {$11000.00}. 
They are still trying to damage my credit score fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, XXXX  XXXX XXXX, Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, Bank Of America, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Systems, Inc
State: IL

Complaint narrative:
Sometime back in XX/XX/XXXXorXX/XX/XXXX, I contacted XXXX XXXX XXXX  which is located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I was in need of somebody to provide maintenance to my deceased mother-in-laws lawn. XXXX  proposal was either {$35.00} or {$40.00} per visit to mow the lawn. I do not reside in the area of my mother-in-laws house therefore I didnt not know when it was being maintained and when it was not. A neighbor of my mother-in-law called me to inform me that they did indeed cut the lawn and to ask me how often are they scheduled to cut the lawn to which I said weekly. The neighbor told me that that was to often and to think about it being cut either every two weeks or once a month to which I called XXXX  to request it be cut either every two weeks or once a month. When I placed the call I had no choice but to leave a message on theyre answering machine due to nobody picking up the phone. Mind you this was around the time of the first cut and I did not hear back from XXXX so I thought they had gotten the message and did not cut it as often. I just received a letter in the mail from a collection agency named American Credit Systems Incorporated informing me that I owe {$470.00} for an entire summer worth of lawn maintenance to this property. I feel that XXXX is taking advantage of me and sees this is an opportunity to make money even further and theyre attempt to dismiss me notifying them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I accidentally transferred {$15000.00} to a closed citibank checking account ( XXXX ) from my XXXX XXXX. Citibank wont reverse the transfer and won't give me my {$15000.00} back. Please help getting my fund back. Thanks.

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 2021-08-09 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting a late on my credit file for XX/XX/21 and I was never late. I make my payments on time but my payments are due on the XXXX every month. I made my payment on the XXXX and I was told that my payment was confirmed and the funds were taken out of my account however, they are marking it as late because the bank didn't post it for another 3 days? This is not my fault, my payment was made on time on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Afterpay US Services, LLC
State: MD

Complaint narrative:
On XX/XX/2021 I filed a complaint and dispute with Afterpay US Services LLC, an international payment platform engaged in the " pay later service. '' Per their installment agreement complaints and disputes that arise out of or related to the agreement should be filed through XXXX. My complaint and dispute was in regards to a merchant that I placed an order with on XX/XX/2021. The payment method for the order was through Afterpay. In my compliant with Afterpay I noted that I had received a damaged order from the merchant and had reached out to the merchant for return instructions and a refund. However, the merchant failed to provide a return label. As a result, I was gong to have to pay {$76.00} on my payment due date of XX/XX/2021. On XX/XX/2021 I received a response from Afterpay stating, " your Afterpay payment plan remains in place, we are not able to adjust your payment schedule on the basis of longer than expected delivery. '' The response from Afterpay also failed to indicate if they attempted to reach out to the merchant for a response. It appears that was not done. On XX/XX/2021 I contacted Afterpay and indicated that the basis of my dispute was not due to " longer than expected delivery '' but had clearly indicated the merchant was failing to adhere to their return policy and did not honor the issuance of a return label. On XX/XX/2021 I received a response from the merchant that a return label would be sent to me on XX/XX/2021. Mysteriously this was the same date my installment payment was due. It appears the merchant deliberately stalled the issuance of a return label in order to fraudulently collect funds that were in dispute. As an international payment platform Afterpay does not provide a claim process in which consumers are allowed to file a complaint against a merchant. Having such a process would allow for an investigation and response from the merchant. Instead, consumers are forced to make payment and pay for goods they aren't keeping dispute evidence that merchants have failed to adhere to their return policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my XXXX  credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I entered a payment plan in or around XX/XX/2020 at which time Wells Fargo advised me that entering the plan would be like bringing the loan current and they would stop reporting the loan as late on my credit report. While in the repayment plan covid happened and I then entered a forebearance. It's now time to exit the forebearance and Wells Fargo is taking away the best option for me which would be to have the missed payments placed on the back of the loan because they're saying I wasn't current at the time I entered the forebearance. I've tried explaining 2 things to Wells Fargo : 1. I was told the loan would be treated as current when I entered the forebearance and now to benefit them that doesn't apply anymore 2. It was never explained to me when I entered the forebearance that it would be more beneficial to me to complete the repayment plan before entering the forebearance. The servicer is acting in bad faith and using a questionable practice because they seem to have omitted information that would have allowed me to be in a better position to keep the home out of foreclosure.
Not a single person took 5 seconds to make me aware that if possible I should complete the 2 other payments that were left on my payment plan before entering the forebearance.

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