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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX - my account was suddenly restricted- when I called the number on the website- they stated it was because of a recent transfer to my account- the representative stated that they would be sending me information via postal mail as to the investigation and subsequent decision. Again, that was on XX/XX/XXXX, it is now XX/XX/XXXX and I still have a restricted account. No letter, no email, no phone call - zero communication. Now when I call the number provided to find out details, the reps have no answers and tell me I need to speak to the Case Review Department, however they have no number they can provide for direct contact. Instead I am left to leave a voicemail - which I did on XXXX  XX/XX/XXXX at XXXX PST - No response. I did the same on XX/XX/XXXX at XXXX PST. Still no response, no letter, no email - I have zero access to my account and still have no concrete reason for why the account was restricted - I had not abused the account and used it a few times. Verification was required before I could open the account, and I sent it via the means they requested. Account was opened and used, without any problems. 

To date, I mercifully have access to accounts online, however I am sure they will cut this, once my complaint is received. The number on online says I call XXXX, with zero help from those reps, they can not even see what the problem is on my account- then you can be transferred to the " Case Review Team '' where you leave a voicemail- the recording states the department is " unavailable ''. 

Again, to date, you can not even speak to a live person at this department, and are at the mercy of if and when they decide to assist you. You leave a voicemail, and hope that that someone will return your call. BOGUS!

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

Complaint narrative:
XXXX I called Experian spoke with XXXX in the consumer affairs department. To have student loans removed under Chapter 41 Title 15 UDC 1681b. Also have XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX Experian is violating and denying me of my federal protected rights and will not allow me to dispute.Nor have they provided me with the audit trail of how they verified these alleged debts.A direct violation of Title 15 USC1681 ( i )

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 2022-02-11 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 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: AL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On the morning of XX/XX/XXXX, of XXXX I had a bicycle accident that required me visiting XXXX XXXX and XXXX XXXX in XXXX, TX. As expected there was extensive medical bills associated with my injuries. I took out a Loan at my Bank and also arranged for payment plans for the Bills that were too large to manage directly and paid the others that were smaller. I made my final payment to XXXX XX/XX/XXXX and all accounts were settled. 


However, XXXX of XXXX I noticed a massive decrease on my credit score and after doing some research I found that Capio Partners address XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX phone XXXX fax XXXX had listed a negative item on my credit. I managed to get in contact with Capio who insisted I has a balance due in relation to XXXX XXXX in XXXX, TX. Although I suspect I was paying this debt twice I paid the amount of {$320.00} on XXXX XXXX just to get the negative item removed. 

Fast forward to XX/XX/XXXX I received a letter from AssetCareLLC also in XXXX, TX stating I owe a balance to XXXXXXXX XXXX  in XXXX, TX. This time I disputed via email on Tue, XX/XX/XXXX at XXXX XXXX providing proof that I have paid the account by showing my credit card receipt with CapioPartners as the payee. 

XXXX XXXX I managed to get back in touch with Capio Partners and have retained further written proof stating " Your account identified above has been settled in full. '' in relation to XXXX XXXX. However, AssetCare LLC insists that I still owe on this account and I'm certain there is something very unethical going on between Capio Partners, AssetCareLLC and XXXX XXXX as they seems to be charging tactics to coherse people into paying off a balance multiple times. 

As of XX/XX/XXXX I signed up to XXXX XXXX XXXX to hopefully shield myself from AssetCareLLC making false claims against my credit. While I don't need or want the added expense I'm hoping they will be able to get the item removed quickly if it comes to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 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

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 2022-02-11 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 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 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

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

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX received letter from lender Select Portfolio Servicing, stating that my interest-bearing portion of my loan was paid up and that they were requiring the balloon payment asap. over {$76000.00}. 
I spoke with several representatives ; I was instructed to continue making my payments. Which I did. I was under employed due to CoVid19. and receiving some unemployment. I made every payment despite. 
After first payment was accepted, the second was rejected. Was told that I could not pay through customer portal so I sent through the bank app. It was accepted. The next month payment was reject through transfer so I sent money order. It was destroyed by company instead of sending it back. At this point they asked for all monies and instructed me to refi or remodify. They put my account in forbearance which made it impossible to refi. ( I did try ) I was trying to pay half of the due amount which they refused. I was allowed to make any further payments during forbearance. I did everything they requested for the remodification. They asked me to do a remod and then I could do refi after. 
XXXXAfter months after months of me being in compliance and change of under writing I was offered a repayment plan. I was told I could not be approved for a remod. 
I began making the payments plus extra to catch up on my escrow. Every month I had to call and request that the payment be applied to my account before I sent the next payment. 
In the mean time, I was contacting my banks to see if I could refinance since I was out of forbearance. I was told I needed about 6 months of payment history. ( which I was working on ) XXXXhad to call and have the check applied to account again, was told that the check was being scanned in but the funds were not being applied upon receipt. 
XXXX received message that my payment was due. I had already sent 2 weeks prior. Representative informed me that the check had been scanned and funds applied. 
about XXXX a representative called asking my intentions for property, said that the payment had not been applied. Next rep l spoke with said that they did not know why I was offered a repayment plan but that they again would not take a partial payment ; full payment only but she could put in another application for remod. 
Insanity since they are the ones that said I could not be approved for remod. Now I can not show payment history for a refinance either. I do not make enough income with my long term job under a refi. 
Complaining on the company because I have been in compliance the entire term of my loan, did everything they insisted for a remod so l could have an opportunity to refi. They are not honoring their agreement terms. But since the letter is a computer generated letter I have no legal action at my disposal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
I am sending this letter to investigate this inquiries this are either fraudulent, illegal, or made without my authorization. 




XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
This complaint is about Axos bank I filed to liquidate my investment account with Axos bank and send the cash proceeds to me on XX/XX/2022. I was told this would be done within 5 to 7 business days. Ive called them four times now and they keep telling me itll be one or two days. I called them originally on the XXXX of XXXX, then on the XXXX XXXX XXXX, the XXXX XXXX XXXX and lastly on the XXXX. They told me the money is just sitting there and theres no reason why it cant be transferred. 
Since it has been a such a hassle with his bank I put in a transfer of all my funds in my savings account. To date theyve only send a portion of it and not the full amount. The portion that was sent was received by my bank on the XXXX. Why didnt they send the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 ( and possibly other dates that have past ). I went on the Capital 1 website at XXXX and made my payment. Attached are confirmation emails from them. They seem to think that the date changes at XXXX and not midnight. The last time I checked the United States and the World are ALL on a 24 hour cycle not 20. They use this to charge excessive feel to the consumer and that limits our ability to get out from under their crushing debt and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Chase Preferred Visa credit card bill for XX/XX/XXXX was {$210.00}. I paid {$210.00} on time. I was assessed an interest charge of {$9.00} on my XX/XX/XXXX bill. On my bill of {$1000.00}, I paid {$1000.00} on time. My XX/XX/XXXX bill of {$120.00} included an interest charge of {$9.00}. 
I have been charged {$18.00} for two months of interest on {$0.00}.

Chase waived the charges but could not tell me how they came up with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
i was told i would get a call back for the XXXX department within 24 to 48 hours the 48 hours ends today at XXXX XXXX when that office closes. i called at XXXX got agent XXXX XXXX then transferred to XXXX in OH who transferred me to a supervisor XXXX  in AZ who sent me to XXXX department XXXX in TN but she stated my anyalist XXXX in the XXXX XXXX SD office , who to find out is not in the office and i told XXXX then to find someone else to handle this. So now i do not know if XXXX is really from the XXXX department like agent XXXX told me she was. i told XXXX i already waited the 24 to 48 hours and i needed the call back today before XXXX. XXXX stated all she can do is send an email and tell me to wait 24 to 48 hours again. i told her no i need the call today like i was told i would get and i am not waiting another 24 to 48 hours. XXXX told me we are not getting anywhere and she hung up on me. this company needs to be shut down, fined and i want compensation for my time, stress and all the false promises this company has done to me, however they had no issues taking my money.

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