vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2022 I sent certified letters to XXXX, Equifax, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, Equifax, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022 I sent certified letters to Experian, XXXX, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, XXXX, or Experian.

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 2022-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OSG Group Holdings, Inc.
State: CA

Complaint narrative:
Original debt was from XXXX XXXX XXXX for {$200.00}. XXXX XXXX XXXX sold the debt to Debt Management Partners in 2021 according to XXXX. I received several calls from " XXXX '' the " XXXX XXXX XXXX XXXX '' threatening to arrest me for bank fraud. XXXX also called my husband, both my elderly parents and my employer. I asked XXXX to send me proof of my debt through mail and he refused and continued threatening me. I asked him not to contact me, or my family members, or my employer, but he has continued to do so. Sometimes 10 times per day, leaving threatening messages and telling my employer and family members details about my debt. I called the number XXXX referred me too and a receptionist answers for a company called " XXXX '', but they will not give me a mailing address because " they don't disclose that information ''. The phone number for " XXXX '' is XXXX. XXXX has called me from numerous different numbers.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My complaint is with Bank of America. 

On XX/XX/2021 I received a Loan Estimate from Bank of America estimating my closing costs to be {$8500.00}. My origination charges were estimated to be {$1200.00} and total loan costs were estimated to be {$3800.00}. 

On XX/XX/2021 I received a closing disclosure document from Bank of America estimating my closing costs to be {$5700.00}. My origination charges were now estimated to be {$1500.00} and total loan costs were estimated to be {$2800.00}. 

On XX/XX/2021 the day before my scheduled closing date Bank of America sent me a new closing disclosure document stating that my closing costs had increased to {$9600.00}. My origination charges were estimated to be {$2800.00} and I would be required to pay XXXX in points which came out to be {$1300.00}. My Lender origination fee remained at {$1500.00}. 

I called my loan officer to ask why they had added the additional XXXX point charge and she claimed that she had mis-categorized my XXXX XXXX XXXX as a mid rise instead of a high rise  and that high rise condos need a higher rate according to their model. This was a lie, only condo buildings 6 stories or higher are considered high rises, so my condo was considered a mid-rise. I did not get any of this in writing. 

At this point Bank of America had delayed my closing date 3 times because they lost documentation that I provided multiple times. I was worried that the seller would back out if I switched lenders and delayed closing again, so I felt like I had no leverage to negotiate with Bank of America without losing my condo. 

I only recently learned that these actions taken by Bank of America might be illegal and decided that I should file a complaint.

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 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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 2022-07-27 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TX

Complaint narrative:
I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.

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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: UT

Complaint narrative:
My credit score - through XXXX XXXX  - is showing I missed a payment on my discover card. There is no missed payment on my discover card and I have not missed any payment to my knowledge. I have been paying on time. I am not sure if Discover is reporting this or if XXXX XXXX is pulling wrong information. However, I wanted to get ahead of this and dispute it as reporting on my credit score. The payment history page on the website of Discover is incomplete, however, I was never notified that I missed a payment or that a payment was due. I have had issues with Discover in the past, in that my card has been frozen and unused for over a year but the payments are inconsistent. The amount constantly changes and sometimes the bill does not post. This may have been what happened in XXXX or XXXX. There was no amount owed for the month on my account and therefore, I did not pay. This should not be reflected on my credit score. 

Please contact me at XXXX if you have any questions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect money for me for services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not live in these states nor do I know anyone who does. 
Services were for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
They have filed a derogatory on my Credit Report. Before this attempted collection my credit rating was over XXXX. 
I live in the state of XXXX and have lived here all of my life. I can not live in XXXX places at once. 
Also, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I work out of XXXX XXXX. I have had 3-4 background checks done. All show my addresses are in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challeng anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if theres anything missing. 

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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
In reference to my account with ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. 
XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

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 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  shows on time payments every other month. 

As you can see nothing is the same, there misinformation is hampering my ability to obtain a mortgage.

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 2022-07-27 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Department of Education XXXX XXXX loans on ny account that have been cleared because of my Permanent and Total status. Accounts are reported on my XXXX XXXX XXXX reports. XXXX was removed from XXXX. There is no money to collect. There is no court order or judgement giving permission to collect, garnish wages, etc. Violates 15 US Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I never authorized this company to put fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX  I was never notified, and I never signed document stating I will pay this debt, or this debt is mines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX {$820.00} i try to contact XXXX XXXX XXXX and now they sold my debt to credit collection servic and no one is helping me i cant get in toch with debt collector XXXX XXXX Submit this complaint NOT a COMPANY XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$1600.00} from my Chase Business Debit Account to the merchant XXXX. The transaction was successfully processed and the funds were taken from my account. I was supposed to receive delivery of the product on XX/XX/XXXX but then the company informed me that it would take XX/XX/XXXX for the items to be delivered. However even after waiting several months I never received the product. On XX/XX/XXXX I contacted Chase Dispute Department about the {$1600.00} charge and how I did not receive the merchandise I ordered and how the merchandise has passed the expected delivery window. The Chase Claims representative assured me that the issue would be investigated and that I would receive provisional credit until the investigation was completed. A few days later I found out that my claim was denied because I had to report the claim dispute within 60 days of the transaction being posted. However, this is incorrect because the XXXX Chargeback Consumer Disputes guide section 13.1 Merchandise/Service Not Received. clearly states that : " The processing time limit is 120 calendar days from the last day the cardholder expected delivery ( not to exceed 540 days of the original processing date of the transaction ). '' In conclusion, I spent {$1600.00} with the merchant XXXX and never received the product I paid for. Furthermore, the {$1600.00} charge was successfully posted and the money was immediately withdrawn from my Chase Business Account. Furthermore, I contacted Chase Bank, informed them of the dispute and successfully filed a claim with them. Unfortunately, Chase Bank illegitimately declined my dispute claim with the merchant. Chase states that the claim was denied because I did not file the claim within the right timeframe, however, this is incorrect because according to the governing XXXX Chargeback Guidelines I have 120 days from the LAST DAY OF EXPECTED DELIVERY ( not 120 days from the date of the transaction posting ) to file a dispute claim. Now Chase Bank will not allow me to speak to the assigned agent on the claim to rectify this issue. Furthermore, they are not allowing me to reopen the claim or allowing me to see how they arrived at their decision. Its really annoying because I know this claim should have been approved according to Chase and XXXX 's own guidelines on chargebacks and disputes. Its even more irritating that they claim that the dispute was denied properly and within guidelines when the guidelines clearly state otherwise. I think Chase Bank is acting grossly negligent and is denying me of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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:
I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.

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 2022-07-27 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:
I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I purchased a product on XXXX for {$810.00}. I opened a dispute due to the condition of the product as I felt it differed from the description. I was offered a full provisional credit of {$810.00} on XX/XX/XXXX. 

I was able to resolve the dispute and the case was closed not in my favor, which I accepted, so a chargeback of {$810.00} was charged to my account on XX/XX/XXXX. 

That chargeback was then charged again ( double charge back ) on XXXX. 

Upon noticing the duplicate chargeback on my account, I called the bank on XXXX to notify them that they had double charged me. They confirmed that they were looking into it and would open a case. 

I received a notice that my case was closed, not in my favor, because the agent had incorrectly opened my case referring to the original charge being disputed, not the chargeback. 

So I called again on XX/XX/XXXX where I was told they would properly open the case. 

I called again to check up on the case on XX/XX/XXXX, where I was notified that no case had been opened for the double charge back. The agent stated they would properly open the case. 

I called again on XX/XX/XXXX, where I was again notified that there had been no case opened for me regarding the double chargeback. I asked to speak to a supervisor, who confirmed with me that he would open a " escalated dispute '' for my double chargeback with a resolution timeframe of 30 days. 

I called again today on XX/XX/XXXX to get an update on the case where the supervisor notified me that the dispute for the double chargeback was yet to be addressed by the dispute escalations team. I asked for documentation or a case ID/dispute ID to have confidence that this was being looked into, but the supervisor stated that there was no documentation he could provide to me to confirm the case had been opened. 

As a consumer, given that I called to file the original double chargeback dispute on XXXX, it has now been 83 days, which is 23 days in excess of XXXX XXXX timeframes for dispute resolution ( 60 days ). 

As of today, XX/XX/XXXX, the bank has still not reversed one of the duplicate chargebacks to my account. I am opening a complaint as I feel it is my only chance at getting a resolution.

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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I have info on a company that is being swept under the rug. I have searched for info to submit a complaint on the XXXX  website, but after reading the current complaints, I am not the only person going through this plus nothing is being done. This company needs to nationally be called out for it's fraud. I bank with credit karma. I received a direct deposit and they locked my account. No fraud, no nothing. Turns out, I am not the only one that has a complaint on this. They are not a credited XXXX company, which o didn't know. But they are apparently taking people 's money and never giving it back and telling us all that there is no department to contact via phone, only by email. They never return your emails or follow up on why your money is locked. This issue is causing a lot of people to become homeless, jobless, and behind on bills. I will be glad to give you all the info you need to put this company on blast so that we can make them speak and return our funds. PLEASE HELP

Company response to consumer: Closed with explanation