vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2021 the lender received payoff from a new lender who I refinanced with. The amount sent by the new lender exceeded the actual payoff amount. On XX/XX/2021 I contacted the former lender about the funds overage and was told I would not receive the over payment until after XX/XX/2021 because they have a six week policy for refunding payoff overages. They stated they don't pay interest on those funds nor are they able to process the return of over payment funds any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I was a customer of Bridgecrest from XX/XX/XXXX to XX/XX/XXXX. The loan was paid off. Bridgecrest is reporting an error to XXXX. Bridgecrest is reporting DATE OF FIRST DELIQUENCY as XX/XX/XXXX. This is not correct. This was recently changed by Bridgecrest. On previous reports the DATE OF LAST ACTIVITY was XX/XX/XXXX, which is correct because this is when the account was officially closed. This is hurting my credit rating because it appears I have a recent delinquency. I have filed a dispute with XXXX to have this corrected and Bridgecrest confirmed the error as accurate. This is inaccurate and is a FCRA violation called re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: FL

Complaint narrative:
Transunion keeps exploiting my info I HAD A GYNOMASTIA CLAIM RISPERDAL XXXX & XXXX AND THIS MUST BE A PUN ... TRANS!! I GET IT ... IM TIRED OF THESE PEOPLE. THEY TOOK MILLIONS FROM ME AND I HAVE REPORTED THEM TO THE FLORIDA BAR JUST THIS MONTH. XXXX XXXX XXXX I will sumbit a claim for to. As far as credit reporting why the bother. What can You do? Just let me know what I can do about random score decreases for no reason then!

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 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
This company has commuted third party disclosure fraud twice. They initially sent me an email with no security protections that led to third party disclosure describing my debt owed. They then called a number associated with me, and again withough verification of the consumer, began releasing private information to a third party. When questioned about the disclosure, they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As of XX/XX/2021 and XX/XX/XXXX Transunion report for all Credit bureaus reported all credit card balances of XXXX, XXXX XXXX, XXXX XXXX, XXXX was XXXX balance. 

However, today XX/XX/2021 I received an alert from transunion that showed all credit cards ofXXXX XXXX, XXXX, and XXXX XXXX showed old balance information from XX/XX/2021 and XX/XX/2021 but this only happen on Transunion. My balances of all credit cards mentioned are still at XXXX balances that still remain on XXXX and XXXX. How can it change back to the XX/XX/XXXX, information for all credits cards? This brought my score down 98 point going from XXXX to XXXX I had applied to but a house and get a car today which has prevented me from purchases a car and getting approved. The is against my legal rights with Fair Credit Act

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 2021-08-28 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: MA

Complaint narrative:
Equifax has been contacted numerous times on this problem with online disputes in regards to below account. 

Personal Loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has indeed confirmed that there are no lates on this closed account with confirmation proof with dates of XX/XX/XXXX and XX/XX/XXXX with a manual submission of paperwork to Equifax on those dates. 

Equifax has refused to update their records to reflect this account with no late payments. Their records show a 30 day late payment on XX/XX/XXXX. There should be no 30 day lates on this account as shown by creditor above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX I looked at my online account in the morning and saw what my balance was. That afternoon I again looked at my online account and saw that the account information had disappeared, needless to say I was shocked. I did not understand what happened. I immediately callled SunTrust Bank customer number to find out what was wrong. I was told there was a hold on my checking account and I could not think of anything I did for the Bank to do that. The person I talked to told me to hold a minute and she came back on and told me that I had a joint account and that the other person ( XXXX XXXX ) was being investigated and the Bank put a hold on all his accounts. I had put him on for emergency conditions only. I trust him and didnt Know what to think. I then called XXXX at his work and told him he had better call the bank and find out what was going on. He did so and was told he was being investigated because of a check someone else tried to put in his account ( not mine ). He also was told he could not have a checking account with SunTrust again. That evening I met XXXX at the Bank after he got off work. We then talked to a man that worked at the customer desk. He could not tell us much except he said that my account was being closed because of XXXX name being a joint account but that my standing with the Bank was good and I could start another checking with Sun Trust once the investigation was over. I could not get a time line on when that might be. I have been a customer of SunTrust since 1988 with no problems and I can not understand why they are treating me this way. XXXX name has been on my account at least 12 years with no problems. 
The Bank can see where the money I had in the bank came from as it mostly came from my Social Security check, paycheck and a little money from XXXX for rest of his rent. I think it is terrible what they have done as what am I suppose to do for food, pay bills and a lease. Actually this is a form of ELDER ABUSE as I am XXXX XXXX XXXX. I am going to file charges against SunTrust fraud department for Elder Abuse. Dont know if I will get anywhere but I might as well try.

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 2021-08-28 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: PA

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information in my file. The items i need 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. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank sent me a letter in XXXX stating they were closing my account. I told them of my urgency to get my funds to pay my rent onXX/XX/XXXX. Its coming up on XX/XX/XXXX and Im still in need of my funds. This is clearly retaliation from f me trying to get my funds and constant calls and other things allocated to bring awareness to their unusual gestures they have been portraying towards me. Im asking these funds to be released to me. And all late fees unaccompanied with my rent needs to be taking care of by Citibank and every month I go without my rent should be paid by Citibank. This is crazy as how they stated in XXXX my account would be closed in 10 days. But they restricted me from my funds until they closed my account. Which is unethical and biased and most discriminatory thing Ive ever endured. Yet they still opened my account to accept a deposit. Only to close my account again after they accepted my funds. They closed my account 3 days after I opened it. But the next day they closed my account after they seen my direct deposit was switched. I uploaded these 2 images nearly a month apart exactly. One dates XX/XX/XXXX and the other XX/XX/XXXX but Ive still yet received my funds and its almost XX/XX/XXXX. This is driving me crazy. Stressing over funds I dont have and I have lawyer fees that need to be paid. Kids that need school supplies. Shoes clothes. My rents coming up again. For XXXX sakes man. Im XXXX over this stress

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Marriott XXXX Visa Card with Chase Bank : Paid {$830.00} on XX/XX/XXXX in advance of the XX/XX/XXXX Due Date. 

Payment was reflected in reduced balance on that date but available credit still reflected as {$0.00}. 

Money was taken out of checking account on XX/XX/XXXX. Available credit still reflected as {$0.00} on XX/XX/XXXX. 

Contacted Chase and was told that it wouldn't be until XXXX  XX/XX/XXXX that credit would be available. 

No explanation was given as to why they had my money - it was in their pocket - and I could not utilize those dollars for a week 's time. Chase was earning interest on my {$830.00} and I couldn't use my own money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.

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 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc

Complaint narrative:
My identity was compromised online while living overseas. I didnt notice the new account until it appeared on my credit report as delinquent. Now they are trying to make me pay for something that was fraudulently approved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: SOUTHWEST FUNDING, LP
State: TN

Complaint narrative:
This company southwest funding is charging people in advance for rapid rescores. They are aware that this is illegal and are attempting to launder this koney by getting the fees paid via money order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: ME

Complaint narrative:
There is a credit inqury on my report for a small business loan under my maiden name that I did not apply for. Please let me know how to resolve this and also find out if the application was approved? It made my credit score go down significantly.

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 2021-08-28 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: CA

Complaint narrative:
This is in regard to late payment notices sent to all three CBRA 's by XXXX. Please remove those notices. XXXX claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA XXXX  which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account XXXX stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is in regard to late payment notices sent to all three CBRA 's by XXXX. Please remove those notices. XXXX claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA XXXX  which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.

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 2021-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.

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