vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: LA

Complaint narrative:
XX/XX/2022 I submitted a dispute to Equifax through their online system. There are several late payments on my report that have incorrect aging as well as one that should not show a delinquency. Equifax did nothing to research the details of the complain and instead got verification from the finance company that the status they reported ( inaccurate ) matched equifax. 

I submitted another dispute requesting details on the method of verification used and the dispute was closed again with no reference of the proof I submitted of the inaccuracy. Its obvious no real review of the case was conducted. 

XX/XX/2022 I called for details and the phone rep took information and initiated an internal complaint. Nothing happened with this and it was ignored, XX/XX/XXXX on a follow up call it was told to me that the XX/XX/XXXX complaint had no relevant information despite a lengthy discussion and reference to the disregarded documentation provided. Another internal complain was initiated and as of today there has been no resolution. 

We are now over XXXX months past the time of my request and am considering my next options to have this inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I complained to CFPB and Bank of America did not adequately address all of my outlined issues. My previous complaint number was XXXX. Bank of America charged me a totally different interest rate from XXXX. I also disagree with Bank of America 's response and they should adjust my rate to XXXX XXXX as I remember.

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 2022-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: AL

Complaint narrative:
My home loan was transferred to Guaranteed rate and they were my loan servicer for 2 months. After that time, my loan was transferred to XXXX XXXX. I continued to receive statements from Guaranteed rate for multiple months despite providing documentation to them showing that the loan had been transferred. I received nothing but promises of resolution with no action. I spent multiple hours on the phone, spoke with multiple people and yet continued to get harassing letters in the mail. My account was sent to their collections department and I continued to receive statements from them with increasing about of money that they stated I owned. When I asked to speak to a supervisor, multiple supervisors were unable to resolve the issue and I was again told that the issue would have to be researched and they would get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
They are not accepting my payments. They accepted payment, and then reversed it. I am currently 55 days behind and have XXXX more payments scheduled, but they are a frad company with lots of hits for scams. They are going to try to scam me and they need to be stopped. I have no clue why they reversed my payment. The funds are in my account. They should have payment now made last week, but still show as not paid. The don't accept XXXX, so my online bank has to mail a check which has been done and then I have to wait for them to deposit said check which they have not done. They are a scam. My loan was recently transferred to them, I did not ask for this. I only owe XXXX on my home and do not need this aggravation. Shut this scam company down before they hurt more good people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Information Services, Inc
State: AR

Complaint narrative:
XX/XX/XXXX : apprehended speeding XX/XX/XXXX : hired by USPS. 
XX/XX/XXXX : fired by USPS via XXXX background check, warrant for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX : Unaware of the XXXX XXXX to which I did appear in court XX/XX/XXXX ), I went to sheriff 's office and reset another court date that the judge ended by relinquishing, and removing concurrent fines. 

Because of an error on the local court district 's side, I have lost XXXX XXXX since XX/XX/XXXX. 
I have tried to establish a new business relationship with the USPS ( Postmaster wants me back anyhow ) yet every time for the past year now I have been refused ( 8 times, after copying social security number, driver 's license, and tax forms ) because XXXX  keeps popping up a warrant ( that doesn't appear on my report ) that doesn't exist since XX/XX/XXXX. 

I will be filing another report of grievance concerning a misdemeanor that XXXX will not let go, even though it has been sealed for the past eight months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
I used my XXXX credit card through PayPal. I took up a dispute with PayPal and they closed the case and denied it so I can not reopen it. I was charged {$77.00} for a scam website offering XXXX shoes for sale. The website claimed to be selling XXXX brand shoes, it was called XXXX but when you hit complete payment it turned into a company with all XXXX lettering for the payment source. You can no longer find the website online. I did not receive my package as well, so I know now it was definitely a scam. My package said it arrived on XXXX through XXXX XXXX. Also this company XXXX XXXX XXXX XXXX won't respond to my emails. The emails won't go through which another source they are a company committing fraud. PayPal has been completely unhelpful to give me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have been trying to pay my mortgage since XX/XX/XXXX. Each time I try I am always a little short and they wont take what I have. I got a 2nd job and worked to get the money to get caught up. When I did it was just in foreclosure. I asked for a reinstatement they said they would send it in 3 to 5 days. I didn't get anything. I had to call several times and basically beg for them to email it to me. I got it and it said I needed to pay XXXX I talked to my account rep and told her that I had the money and it was in 2 different accounts. She said that was fine to send 2 payments as long as both of them got there by the date. I sent one for {$2000.00} and one for {$5700.00} {$2000.00} was XXXX XXXX  which was one of the options and the other a wire transfer directly from my bank. They returned the XXXX so I called they said to send it again and it would be fine. I did that and they returned it again. I called on Tues XX/XX/XXXX and was told they would send the XXXX back immediately and for me to send the whole amount. Which I would do except it is Friday and Monday is a holiday. They have promised me on 3 occasions that someone would call me back and nobody has. Its always 24 hours for a call back. I don't have 24 hours now. I just talked to someone and they have not even returned the XXXX yet however expect me to pay it by XX/XX/XXXX. They are now charging me a XXXX attorney fee and that is not right. I had the money to them when they wanted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have had this card for over 2 years. Originally I had made a balance transfer and was informed that I had 2 years that I wouldn't be charged interest after one year they charged me all the interest from the balance transfer along with the percentage for the balance transfer for not paying the balance off in 1year. ( I was informed 2 years ). Called in and they basically said nothing could be done we mailed you the terms and conditions. I recently called requested a Supervisor I received a letter saying my Card will be increased even more in Interest. I called customer service and they said basically the cost of living and that Everyone is getting an increase. The supervisor call backs are in odd times where I am not available. I have called to try and work out a payment plan my minimum balance is way too much I am the only income in my home and XXXX ago just got a job I managed to pay my minimum during the pandemic even while unemployed Because my credit is important to me. The company has not worked with me to check about my original balance transfer promo period that charged back all my interest or help with my payments. Please assist me

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I was alerted by XXXX identity theft protection that a CC account had been opened in my name and SS # on XX/XX/22. The account was detected by XXXX. The account was open with AvantLLC/web bank ; account XXXX. 
I followed up with Avant bank with the help of XXXX. Avant- has agreed to look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-27 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Opened a XXXX XXXX with Comenity Bank on XXXX. Through a series of unfortunate events, I had to return my purchase twice for a replacement. When the third and final purchase was made, it was not charged as a promotional purchase as I originally agreed to. I tried resolving with Comenity, but they refused to work with me on the issue. That is not the issue that I am filing a complaint about. 

I made my first payment on XXXX, and a finance charge was billed on XXXX. I have no issue with that, as my bill was due on the XXXX of each month. 

I made a payment in full on XXXX, XXXX days before my due date, and it was accepted, and my account was requested to be closed on XXXX. Comenity confirmed the account as closed, and issued me a credit refund balance on XXXX for overpayment on the payment in full, and then charged a finance fee on XXXX, and a late fee on XXXX. I received an additional minimum interest charge on XXXX. 

I paid off the finance charge from XXXX, the late fee from XXXX, and the minimum interest charge from XXXX on XXXX. 

I then received ANOTHER minimum interest charge on XXXX on this account, which was supposed to be closed on XXXX per Comenity 's email to me. Why and How do i keep getting charges posted to my account when the account was supposed to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accounts Receivable Inc.
State: WA

Complaint narrative:
The company was granted one amount in court for XXXX. They refused to chafe amount on reports then tried taking me to court where they were proved to only been granted that amount so they removed the collections and the placed 2 after leaving voice-mail about double dipping. They have since been constantly changing the debt amount but only on the new one they just opened. Then they closed it XX/XX/XXXX just to reopen it XX/XX/XXXX for almost double. They have 2 collection accounts now on me for 1 debt. Ans the amounts are triple what they were granted in court they have had no communication with me ans were unwilling to set up payments on original accounts. Both accounts are for 1 debt ans non are the correct amounts they were granted from a judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
All Transactions From the Dates of XXXX XXXX XXXX when I was XXXX were submitted for dispute. The transactions were not authorized and were fraudulent. I reported a claim with my Bank Wells Fargo. I provided them with my hospital admission documents and they closed and denied my claim. My entire purse was stolen. I had to get a new Drivers License, new social security card, all my credit cards and along with my entire purse had to be replaced.

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is forcing me to give them my credit card and buy their service to get onto my free account. I have already fixed this problem once and now they are doing it again. I DO NOT WANT A PAID ACCOUNT, I DO NOT WANT TO GIVE THEM MY CREDIT CARD AND UNTIL I DO, THEY WILL NOT LET ME ON 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