vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent the attached letter to XXXX. I also called to try to resolve these XXXX issues. Issue # XXXX : When XXXX forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that XXXX ) shows the late payments on my credit report, XXXX ) shows my employer was closed, XXXX ) shows I acted within the bounds of the CARES Act during XXXX by calling, and XXXX ) shows payments.Issue # XXXX : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when XXXX had been auto-deducting payments XXXX, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent the attached letter to XXXX. I also called to try to resolve these two issues. Issue # 1 : When COVID-19 forced the closing of my employer in XX/XX/XXXX, I called immediately to discuss options. I was not late then, but I asked what I could do in light of what was happening. The representative was kind. Attached is documentation that 1 ) shows the late payments on my credit report, 2 ) shows my employer was closed, 3 ) shows I acted within the bounds of the CARES Act during COVID-19 by calling, and 4 ) shows payments.Issue # 2 : After this payment arrangement above, and before this issue above, I never missed a payment. In XXXX of XXXX, without warning, when XXXX had been auto-deducting payments monthly, they stopped. I had no idea, until I received an alert from my app XXXX XXXX which told me I had a late payment. I called immediately, and they would not remove it. The money was sitting in my account the entire time and it was never withdrawn. I asked them to please resume the payments as they had been, and that I wanted it in writing that these payments would be withdrawn consistently with no break. They agreed. This should be removed from my credit report as this was their mistake.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been trying to fix the inaccuracies being reported on my Equifax account. I was locked out of the account after more than one dispute and spoke with a representative on XX/XX/. They told me to send a letter with a copy of my license and social security card. The confirmation # for the call on this day was XXXX. They told me that if I sent the above information, I would have access to my account in five days. I still do not have access to my account ten days later. Please see the attached letter that I signed and sent with the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
I missed one payment of {$75.00} on XXXX because I was traveling and sick. 
Discover bank didn't notify me about the due payment and they reported it into my credit report. 
My credit score went down from XXXX to XXXX on XXXX 
When I found out about it i paid the full amount including the interest and late fees. 
I called the bank on XXXX XXXX XXXX and requested a good will adjustment to remove it from my credit report but they declined my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened this checking account with bank of the west. And to make this account free from monthly service fees, there are requirements which are paperless statement s and one ACH transfer every month. I have been doing this at least the past 12 months. Now after BMO taking over Bank of The West, without proper notification, my checking starts having a monthly service fees of {$10.00} per month. And I called the customer service in early XXXX XXXX, and I asked them how to waive a monthly service fees. They said I need to maintain with at least {$1500.00} in daily balance, which I transfer the fund on the same day to meet the minimum balance so I dont have to pay monthly service fees. Today, XXXX XXXX ; my account was charged another monthly service fees of {$10.00}. Either the bank employee lying to me or they were not well trained on how the account works. They also didnt send me the schedule term fees and disclosure. Please refund my fees and someone who understands how this checking account works, call me and explain. This is totally not fair and misdeception by bank employees.

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 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
SLS Loan XXXX XXXX XXXX XXXX I am reaching out for assistance as my home is in foreclosure. I am diligently trying to sell the house in order to relocate as it has become unaffordable for me on my XXXX income. 

I have owned this home since 1996 and have struggled in years past to keep up with the payments on my reduced income. Due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to return to my full time position and had to seek XXXX. 

My property is currently listed for sale with XXXX XXXX XXXX XXXX  XXXX XXXX and is actively being shown, but no offers as of yet. 

I have asked my servicer for hardship assistance but they will not offer any plans as I have equity in my home. So I am forced to liquidate. 

Due to the equity I feel the servicer will try to take the house from me through a foreclosure leaving me penniless and homeless. 

I am just asking for any and all foreclosure proceedings to be halted while I work to get sold. The equity from the property is all I will have to live off of and is needed for me to move forward. 

I am agreeable to a temporary forbearance of 4-6 months and can remit $ {$1700.00} monthly while the house is being marketed. 

Please help take action so that I can properly sell the home, payoff my debt and retain equity proceeds needed to find another place to live. It just wouldnt be right to have this equity stripped from me through a foreclosure sale when I am actively trying to resolve.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, XXXX Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 
15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, XXXX XXXX. 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
capital one has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and capital one continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so capital one is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit 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: LA

Complaint narrative:
XX/XX/ I booked a reservation for lodging with the XXXX XXXX XXXX, one in XXXX XXXX, AR. Once booked, I discovered that the entity that I was dealing with was a fraudulent company, charging fees 50 % over the initial lodging charge. I immediately cancelled this reservation with hotelvalues.com, receiving confirmation thereof. However, the charge totalling {$310.00} ( of which {$110.00} was a mysterious " service '' fee never assessed with a legitimate reservationist such as XXXX ). This entity, XXXX, processed the charge to my Chase Visa card despite the cancellations. I subsequently disputed the charge as fraudulent but Chase has declined crediting my credit card the {$310.00} unwarranted charge despite providing them legitimate cancellation information and documentation that the hotelvalues.com was NOT a legitimate operator for XXXX XXXX or any other hotel system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting XXXX XXXX TransUnion to correct the status : XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion reporting incorrect information ( 30 Days Late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.

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 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: OR

Complaint narrative:
Yes, I GET XXXX BENEFITS EVERY MONTH, FOR 12 YEARS NOW! AND MY ACCOUNT IS NOT!! WHAT AMOUNT OF PAYMENT I RECIEVE!! WHERE? WHO? IS HACKING, OR FRAUDLENT MY BANK!!? I DONT EVER, EVER GIVE OR DO ON LINE SHOPPING, AND DO NOT EVER GIVE PERMISSION FOR IT TO BE DRAINED??!! DIRECT EXPRESS IS NOT A FAIR, HONEST BANK!! CAUSE THEY ARE TO PROTECT MY MONEY, TO STOP ANY TRANSACTIONS!!! SO ONE DAY?,!! TODAY IS THE XXXX OF XX/XX/2023 AND MY MONEY IS BEEN FRAUDLENT TAKEN!! I DONT HAVE FOOD, HOUSE HOLD STUFF THAT I SHOULD AND USELY HAVE EVERY MOTH!! WHY?? WHERE IS MY MONEY?? PLEASE I DONT GET ALOT FROM XXXX FOR WHAT I DID GO THROUGH AND WISH ITS NOT LIKE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ANY THING TO KNOW PLEASE CALL ME, XXXX CELL PHONE, INCOME IS {$910.00} MONTHLY. THANK YOU MUCH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a credit card with Discover and immediately added the card to XXXX XXXX ( possible activate physical card as well ) After the physical card was send out. On XX/XX/XXXX, someone stole my card and used it at near by XXXX XXXX and shopped for {$860.00}. 

Immediately I realized the fraudulent activities and reached out to Discover to dispute the charges. They have provided credits right away, closed down the account and opened a new one for me. 

I was suggested to file a police report as I told them I am afraid that my identity information might be stolen because the card was easily being activated. I was also being suggested to file one because they believe it would be an easy case for local police to identify the theft since it happens in the same city. 

Which I file a police report on XX/XX/23 and provided the cases number to Discover for further investigation. 

On XX/XX/XXXX, I receive a copy of the receipt from XXXX XXXX of the fraudulent activities provided by Discover. On the receipt, it shows the thefts name and XXXX XXXX membership ID. And the amount matches my statements. And I also replied to their call for further information stating that I have receive a replacement card and it was extremely easy to activate the card. They never asked my birthday nor last four digits of XXXX. Just one call and provided last four number of Credit Card number the card is activated. I provide my frustration and believing that the case was closed. 

However, on the XXXX, I received another letter from Discover stating that they were not able to find any fraudulent activity on my account and I am responsible for the {$860.00} which does not make sense to me. 

I have called Discover once again on the XXXX, complain about the issue. But they said I will have to wait for 30 days for them to reinvestigate. In the meantime, I could reach out to police for more evidence and I will either have to pay that {$860.00} or it will sit in my open balance and getting rolled over with late payment fees and interest. 

I am extremely unhappy with how Discover resolve the issue. They already have the receipt that shows the thefts name and membership ID. I never had a XXXX XXXX membership. I provide every little detail I am acknowledged with and even listened to them and went for a police report. I do not understand what additional proof I need to provide. So I really would like to seek for additional help and suggestion. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. This company has been trying to destroy my name. Places collection account debts on my social security number without my authorization or consent. The consumer consents to whats reported on their personal credit profile. I have never done business and have no signed contracts with this company. 
There is no collateral estoppel and promissory estoppel thats I have ever used or signed with this company. 

Please stop all reporting on all credit bureaus. This is the 2nd attempt for resolution prior to legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I file a complaint after the company refused to furnish credit report to bank as requested. I sent my driver 's license to Equifax on several occasions and they are refusing to update my credit file with the accurate information and when they do they change it or remove it from the system. I can't even log into my account that shows my credit report.

Company response to consumer: Closed with explanation