vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: IL

Complaint narrative:
My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) and the XXXX Credit Bureaus ; XXXX, XXXX, and Equifax. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), Equifax ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between Equifax and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/2022 my payment was due for Regional Finance located at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. So i called to see if i could pay it on the XXXX they said yes. So i stated that if could pay earlier i would call them to give them my debit information. So effectively i called them on the XXXX and gave them the debit information and the payment was made that day. than on the XXXX my payment was withdrawn again. I called to see what happened, they apologized, i called on a Saturday and XXXX answered me i asked her what happen why the withdraw my payment again if i had made it on the XXXX. She said she didn't do the transaction and she blamed the people that do the transactions and dont write notes stating that payments are given that this always happens. so on the following Monday i called them and asked to talk to XXXX the person that did my loan. I told her what happened she started talking to me really mad she wouldnt let me talk, she even told me that my payment was on auto pay thats why it was debited. until i told her real serious, wait XXXX can you listen to me? thats when she let me talk. i told her my payment was not on auto pay if it was on the XXXX it would of been debited from my account and she said well yes youre right its our mistake i can refund that money in 15 day to your account i told her that XXXX told me in 10 days who do i believe? she said im saying XXXX for if theres any problems, and i told her ok another problem because of that transaction my account went to negative - {$230.00}. She answered me all mad again and was yelling at me the whole time that she could not do nothing about that but she could refund my money that was debited from my acount only. I told her really mad : stay with my stupid money for the month of XXXX. I told her XXXX said that its yalls fault that you dont put notes that she is tired of telling you guys and you guys dont listen. so she said, so XXXX said that? and i told her yes, and she said i will fix that with her. So i was worried about her retaliating against XXXX for that, i dont know if she got suspended or not or even worst fired because of this horrible person XXXX XXXX who is the XXXX. I called corporate like 3 times or more i dont recall and they never answered me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I have called Wells Fargo in the past about our PMI payments. It was my understanding that we needed to pay a certain amount of our mortgage down. By the time I got them to take off the PMI, we had reached a loan to value ratio of XXXX XXXX. It is my understanding that, by law, the mortgage company is supposed to cancel the PMI aXXXX XXXX XXXX  XXXX. Wells Fargo will not reimburse me or give me credit for all the extra PMI payments I made.

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 2022-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, Discover Bank, has violated my rights. Under 15 U.S.C 1681 section 602 states, I have the right to privacy. Under 15 U.S.C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
A line of credit was opened with Bank of America by some that used my social security number. I do not know where they came across this information. They went on to charge nearly {$20000.00} dollars over 4 purchases. I have never had a Bank of America Card, nor did I apply for one. I did contact Bank of American and they opened up a fraud case to dispute the opening of the card and the credit. Bank of America states that the card was opened on XX/XX/2022 and subsequent purchases were made shortly after that. I only became aware of the line of credit when I checked my credit score through XXXX and saw that my credit score had gone down, and that the Credit card was opened.

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 2022-11-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2022 paid total amount due, {$200.00} On XX/XX/2022 company, Home Depot cashed my payment. 
Companies Closing Statement Date was XX/XX/2022. 
Home Depot kept my payment of {$200.00} and gave me store credit. AND ... ..... 
Turned me into collections, harming my credit score!!! 

I am aware of dates being close with transactions. BUT their billing cycle is 30 days and should have been picked up on XX/XX/2022. And a retaction should have been sent to XXXX, XXXX and XXXX. 

Want Home Depot to Retract Report Of Non Payment. So my credit score can be repaired by their False Accusation of non payment.

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 2022-11-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-02 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: NC

Complaint narrative:
this is reguarding a closed complaint # XXXX if clam that be thet they are having trouble to conform my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: IL

Complaint narrative:
I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I applied for a loan with XXXX XXXX XXXX yesterday online, and was approved. They told me to finish the process via telephone. During the telephone call they had me answer security questions, which I passed, but then at the very end they said they had to decline my application because I moved about 5 weeks ago and my new address was not yet on file with LexisNexis. I asked if I could go into the branch and show appropriate documentation like my government ID to verify my address, and they said no. LexisNexis said it was not what they had on file and solely because of that they had to deny my loan. 

I searched LexisNexis 's site on how to dispute my address and get it updated, and I found a document here : https : //consumer.risk.lexisnexis.com/img/Dispute_Process_Steps.pdf. The telephone address given for disputes regarding liens ( XXXX XXXX ) is an invalid extension. The number asks for 5 digits, and the 4 digit one on the document does not work. If you try to navigate the system, it just keeps putting you in circles to prevent you from talking to a human to place the dispute. 

LexisNexis appears to be actively trying to prevent people from disputing incorrect data that is affecting their financial wellbeing. I hope the regulators will persuade them to put a clear and functioning process in place for consumer data corrections, as their current conduct is harming the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
After months of dealing with this bank refusing to communicate, then finally having them pay me the bonus they owed me, they took {$48.00} dollars out of my bonus check for fees the accrued while illegally not closing my account after being asked to... they sent me a check that removed those fees from the balance before paying so no balance remained .... their collections department is now sending me paperwork in an attempt to collect a debt they do not legally have any right to, nor is it even owed. 

This bank must cease and desist all communication with me henceforth or shall be taken to civil court.

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 2022-11-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal, NOT public information was used without a permissible purpose. I have NO accounts with these creditors who have used my information, there is no connection with a business transaction that is or was initiated by me the consumer. This is a violation of the FCRA. Also my address is reported inaccurate, and I asked them to update this 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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi This is XXXX XXXX. I have submit a complaint about getting credit card from Capital ONE Savor XXXX Credit card. I usually do not apply with Capital One Credit Card because I know they do not approve me, not they increase my credit limits of XXXX Credit Card. Recently I have received an email from Capital One offer Reservation number : XXXX Access code : XXXX and it was pre-approved offer, XXXX months no interest, I noticed that it might be interesting and useful credit card, I usually do not apply with Capital One as they always discriminate me about credit card offers, I have good payment history, they pull my XXXX report ( which shows no auto loans or mortgage ) but it is not true, I have excellent payment history with XXXX XXXX and it more than XXXX months good payment history, neither Capital One considers any increase in limits, nor they offers or approve me any credit cards. Capital One and XXXX are discriminating me based on my XXXX and national origin or religion. They send me any offers. I have applied XXXX  XXXX card but delaying in application, it was pre-approved offer ... and went down my credit score.. I am very much disappointed. I request from CFPB to address this issue with CAPITAL ONE and why my income ( SSDI ) and AUTO LOANS were not updated in their profiles. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This defaulted loan is being used off and on to affect credit score even though nothing has changed in 25 years but it is too old to be used for credit score every time the lender tturns it in every few years it effects my score it says it was opened XXXX of XXXX which is a lie it was opened in the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief