vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: GA

Complaint narrative:
I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.

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 2021-11-08 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: GA

Complaint narrative:
I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is reporting that I was eight times over 30 days late on my account.by my records I was one first time late over 30 days on XXXX XXXX other 7 times I was not late.i file a dispute with them over 3 months and all I get is they need more time to research my account. Also.Ally was reporting to the credit bureaus my balance with them was XXXX .when it really was XXXXthis is greatly affecting my quality of life.i have applied for credit and have been turndown.

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 2021-11-08 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXXDate of Inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a new account and it has turned into a nightmare and nothing but a burden due to lack of proper help when I call numerous times... 
I did 3 cash advances and they turned off my card and my online access to my account whereas Now I can not even pay my card off as I want to. 
I have called numerous times and have been on hold for over an hour each time. 
They said I would have to go into the bank in person to resolve the matter to prove my identity.. I have answered all the identity questions that prove my identity only to be told my account can not be unlocked unless I go into a Bank of America bank.. ( in person ). 
I then told them to just close my account and send me a final bill and they will not even do that.. so I am demanding my account be closed at my request and submit me a final bill so I can pay this account off in full... I do not want this account due to the fact Noone is able to simply help me over the phone. It's ridiculous for me to drive over 2 hours out of my way to a physical bank.. I opened this account online... they mailed me my card to my po box and they mailed me my pin number so I could use my card to withdraw cash if I wanted to ... .and now they expect me to go into a bank when I used my card as I have the right to ... and if a po box and pin are not secure enough then I don't want to do any kind of business what so ever with an incompetent business such as bank fo america ..they are nothing but a burden and I don't need this credit card since I get way better  service from my other credit cards providers such as XXXX XXXX and XXXX  XXXX  ... Never in my life have I had such a negative experience Please help me close my account and get a final bill Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
My personal information was stolen unknow to my knowledge it was being used to take credit card debts and all other sorts of credits that went unpaid, and become collections that caused my credit rating to be driven down to the low and lower, not until i look check my credit to find why i was getting denied i realized the ongoing collection accounts. 
I am hoping doing this i can get some help to get my credit rating up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I asked for HomePoint Financial, the company who services my mortgage for the investor XXXX XXXX, to request for a primary occupancy waiver requirement because I have moved to a full time telecommute position that requires a dedicated office space separate from the rest of my living areas. Because of this requirement, I was looking to move into a larger home as my current home does not have a space for this. 

The first request was sent at the end of XXXX and it is 5 months later with still no reply. At this point, the waiver isn't really needed because the occupancy requirement ends after 1 year on XX/XX/XXXX but I still would like to receive a response. I have been asked to provide additional info several times. There have been times where I provided the additional info and they say it hasn't been communicated to the investor after weeks of waiting. This process has been drawn out forever and noone follows up when asked. I just got asked again for the additional info I previously sent, I resent it, and now just received another canned, automated reply saying additional information is needed. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a high negative impact on my credit score from Barclays for {$120.00}. I was taken back by this because I have logged in multiple time over the last year and few months to make sure I do not have a balance as I have not been using my credit cards much in order to improve my overall credit score. Each time I log in I have a {$0.00} balance and I have not received any statement.

I called Barclays today to report this and they let me know my card number changed and I was unaware of this. I do not have the new card, never requested a new card or card number. Due to this my account with Barclays has been false since this new card number was not updated in my account. The fees I have no issue paying. I just put the payment in today now that I know. I called Barclays to hopefully make this right and take the negative report off and they are unwilling. They told me I would need to call the credit bureau to file a dispute. I did that as well today with a XXXX however I am concerned that this will not be enough and Im worried that maybe I should stop using Barclays all together since I have not received a statement in regards to this and they have not reached out to inform me of any changes and unwilling to help me over the phone.

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 2021-11-08 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: CA

Complaint narrative:
XXXX XXXX credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme stress and anxiety. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( XXXX XXXX ). So because this address is listed on my credit report, it compromises my ability to find housing. XXXX XXXX XXXX and its representatives have purposely lied and defrauded me over and over again.

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 2021-11-08 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: TN

Complaint narrative:
I contacted Equifax on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$5400.00} Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Collection, XXXX, XX/XX/XXXX, {$630.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} XXXX XX/XX/XXXX, opened XX/XX/XXXX Charge-Off, Credit Card, XXXX XXXX {$430.00}, XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX, {$9000.00} XXXX XX/XX/XXXX XXXX Payments, Auto Loan XXXX XXXX, {$19000.00} , XX/XX/XXXX XXXX still have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX was totaled in a non fault accident on XX/XX/XXXX. The vehicle was a lease. Chrysler received {$31000.00} from my insurance carrier on XX/XX/XXXX. 
The payoff on my XXXX was only {$20000.00}. Both XXXX & Chrysler told me the overages are equity since the value of the car was paid & would therefore be paid to me along with my XXXX & XXXX car payment that I made after the car was deemed totaled. 
To date, I still do not have any of this money. 
They wanted my bank statements showing I paid my monthly payments even though they were posted & cleared on my account. The insurance money, they said they were holding for 45-60 days. 
After many phone calls & lots of fighting Chrysler said they issued me two checks on XX/XX/XXXX. One check for {$240.00} for my XXXX car payment & the second check for {$10000.00} for the insurance overages. They sent the checks to my mom at an old address. My mom is a co-signer on the account but I pay for the vehicle & they have my correct address & information. 
I was not informed that the checks were not sent directly to me nor was I informed that they received the checks back in return mail. I found out when I called them on XX/XX/XXXX to check the status of the check processing. 
On XX/XX/XXXX they assured me the address was updated & the checks would be reissued with in 72 hours. As of today, still no checks. 
I called Chrysler again tonight. I was hung up on. Transferred several times to be told that they can not tell me the exact date the checks were reissued or what address they were reissued to. They told me they would email the accounting department & I can call them back Thursday. 
This is whole situation is completely unacceptable! I have made countless phone calls to Chrysler since XXXX. I have been given misinformation & lied to several times. 
I need my insurance money to get another vehicle. I still do not have a car after 4 months. Chrysler also still hasn't issued me my XXXX car payment. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
We paid off our home loan on XX/XX/2021. We have not as of XX/XX/2021 received our escrow funds which are approximately XXXX We contacted company and they said, " check was mailed '', we never received it. We have a locked mailbox and have had not issues with receiving other mail. We started attempting to get this resolved in XXXX and have had a series of calls, maybe 4 or 5 at this point, where we have been informed they have to stop payment on check, ok... makes sense, and they need several more months to issue a new check... .really? 
Fact,1 ) Select Portfolio Servicing has sent us a letter confirming our loan, account number XXXX has been paid in full. 
Fact 2 ) SPS agrees they owe us the funds from our escrow account Fact 3 ) We have not been paid the funds Fact 4 ) .SPS is located in XXXX XXXX XXXX Utah Any assistance is greatly appreciated. 

Regards, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Applied for a Citi DoubleCash card on XX/XX/2021. After making my application Citi made two hard credit checks using two slightly different names ( CITI CARDS CBNA and CITICARDS CBNA ). The second check occurred almost immediately after the first and was not authorized. 

After calling Citi the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Today, I contacted American Express with an attempt to redeem an American Express Rose Gold Credit Card. The company notified me that I was denied based on my credit score. I did speak with a representative ( XXXX ) who told me all of the reasons why my credit was denied during this transaction. As a living breathing person of sound mind and body aware of my consumer rights, I understand that I am the owner of the credit and simply issuing a credit to myself. Via 12CFR1002 regulation ( b ), this act of denial is discriminatory and I would like to further look into this matter to come to a suitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: KS

Complaint narrative:
On XX/XX/2021, I received a letter from Charles Schwab notifying me that I had opened an account. The letter is dated XX/XX/2021. I called Charles Schwab and told them and they said that they are aware of it and are taking care of it. I believe I am going to have to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: NC

Complaint narrative:
I received a call from Midamerica Mortgage a few days ago informing me that my homeowner 's insurance had been cancelled due to nonpayment in XX/XX/XXXX. 

I was informed by Midamerica mortgage that the insurance was not paid back in XX/XX/XXXX because the documentation provided to Midamerica mortgage stated that payment was due XX/XX/XXXX. However, my insurance provider ( XXXX ) has said that all documentation shows a due date of XX/XX/XXXX. XXXX indicated a new policy could be underwritten, however it would be more expensive as the original policy was written in XXXX. 

I was later informed after many phone calls that no such documentation showing a due date of XX/XX/XXXX exists, and that the mistake was made by Midamerica Mortgage. The escrow department ( only reachable by email ) insists it has an obligation to pay the difference in old and new policies for this year ONLY. I do not find this acceptable considering their mistake will have knock-on effects for the entire time I own the home. It's honestly unbelievable that they neglected to pay the insurance on time and let my property go uninsured for a full 2+ months. What if my house had burned down in that time?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management continues to harass me even after I have asked them to cease communication with me until they can provide me proof that I have a binding contract with their company. They are accusing me of owing them an alleged debt, and is tarnishing my reputation reporting this alleged debt to the consumer reporting agencies without my consent. I have proof that they received my last letter that I sent to them on XX/XX/2021. I also have a green receipt showing that XXXX XXXX received the letter and have yet to respond but the company is still reporting on my consumer report when by law they are to remove the account that is question until proof is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TN

Complaint narrative:
I contacted Transunion on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX, XX/XX/XXXX, {$880.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} , XX/XX/XXXX, opened XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX XXXX {$9000.00} , XX/XX/XXXX Late Payments, Auto Loan XXXX XXXX XXXX {$19000.00} XXXX XX/XX/XXXX I still have not received any resolution.

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