vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: VA

Complaint narrative:
XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XX/XX/2020. On XX/XX/XXXX, I called into Equifax after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from Equifax. 
I called into Equifax many times in reference to disputes that I had placed with Equifax, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that Equifax couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from Equifax at my updated physical address in XXXX of XXXX which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of Equifax in the areas that works to prevent identity theft, where one purchases a plan from Equifax. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at Equifax in the past also in the middle of a phone call. I have had to call them back many times. 
Since XX/XX/2020 and until my phone call with Equifax today, XXXX XXXX, my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/2020 my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX of this year I applied for a home mortgage loan. My relator sent me to this company because she has worked with them and other companies before. I did not know the ins and outs of loan and processing or anything. This company as well as the company they transferred my mortgage over to are companies to help build your credit. The thing is I already have a great credit score. One thing I was never told is that I have two loans. I never knew they had me take out a second loan and it was done without me even knowing vs just giving the original amount and having me find a home less than what I got. The home was not worth what I paid. I did not know too much about anything. I just want this company and the relator I had to know what they did was not right. I just don't want this happen to anyone else. If I could take back anything, I would have never said yes to this relationship with any of the people who helped me.,  because they did a horrible job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Colonial Auto Finance ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba Car-Mart of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I had a contract with a small XXXX XXXX that XXXX XXXX calls to/from XXXX XXXX XXXX was bought by XXXX & my coverage plan was grandfathered in In XXXX Suspended cell for 2 months while traveling internationally Called to reactivate Agent offered better plan instead I repeatedly CONDITIONED acceptance of NEW PLAN on continuation of free service to /XXXX XXXX Agent repeatedly assured me it would be free Months Later found out she thought XXXX XXXX was part of XXXX XXXX & incorrectly Made repeated assurances it was free Got 1st bill in XXXX XXXX XXXX they had billed me extra - i paid base fee - they wrote off $ XXXX & said they would fix it Next month bill was {$400.00} too much - wrote off excess again & said they would fix it Next month was $ XXXX too much This time they refused to write it off After many hours off verbal & written communication They explained they could not reactivate my original plan I refused payment - they sent it to collection 7 years later Now on XXXX or XXXX collection agency This was a bait & switch & i want it OFF my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020 I purchased and airline ticked with my Chase Credit Card on XXXX. The flight was scheduled for XX/XX/XXXX with a return on XX/XX/XXXX. Due to Covid 19, and border closures, that Airline canceled the flight. 

The amount paid for the ticket and is {$860.00} XXXX {$860.00} I disputed the charge with a credit company because the airline did not want to provide a refund. In the beginning, the amount was credited back to my account, but on XX/XX/XXXX the Airline sent a bogus response to the credit card claiming that the ticket was valid and it looked like they were claiming that the flight took place. This already seems like a fraudulent tactic by the airline. 

At this point, Chase sided with XXXX and added the charge back to my account including interests. 

I have provided chase with all the documentation needed to resolve the dispute in my favor, but they have declined to return my fund on two occasions, claiming that they can not do anything on their side. 

I have also contacted XXXX and they claim that Chase has already taken the funds back. They have also denied issuing a voucher. 

I would like you to assist me in getting a refund for the full amount from Chase or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
The way2go debit card through the GA Department of Labor does not have a service to transfer the amount to my bank anymore, and I want this option back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

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 2020-07-15 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: FL

Complaint narrative:
Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as Experian does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my checking account for no reason after I was trying to send XXXX  dollars to my husband for family support. 
The entire bank account has only my credit card payment, direct deposit from my last employer and my unemployment direct deposit. The reason for account closure was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
To whom it may concern : After reviewing my ChexSystems report I noticed that a XXXX XXXX account is still reporting on my file. Ive expressed before that this business bank account was created without my knowledge. I have disputed this before and it was removed. I see it has been put back on my report. Since this issue continues to linger, Ive filed a formal police report and FTC Affidavit.  This notice is to inform you that I have become a victim of identity theft. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I request that this information be deleted from my profile. I am 100 % willing to work with Chexsystems to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove this incorrect account from my report.

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 2020-07-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with XXXX  for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

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 2020-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

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 2020-07-15 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: USCB Corporation
State: CA

Complaint narrative:
On or about XXXX USCB REPORTED I HAD A DEBT OWNED BY XXXX XXXX XXXX I NEVER SIGNED UP FOR ANYTHING WITH COMPANY ONLY INQUIRED I ALSO HAVE NEW MAIL ASKOMG TO JOIN

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account ( account number XXXX ) is reporting late for XXXX XXXXthey are charging me late fees for an account i can't use because they have failed to update my account as they were supposed to after i SENT all documents requested and they won't inform me why my card is flagged as fraud and delayed this case when they had paperwork months ago and now charging me fees for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment. 
The following month Barclay began reporting the account as 30 days late. 
All phone lines to Barclay were shut off as result to Pandemic. I  sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date. 
Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''. 

As of todayXXXX the account is still reporting 30-60 late. 

It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX  has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started.  This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.

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 2020-07-15 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: OH

Complaint narrative:
I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the XXXX  and was in the XXXX for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!

Company response to consumer: Closed with non-monetary relief