vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 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: DE

Complaint narrative:
I had disputed these lateness well over a year ago and the lateness was removed just recently XXXX XXXX without notice reported the lateness back on my credit report along with sending past statements that I didnt ask for. Several years ago I reported to XXXX  XXXX that I didnt apply for their credit cards I explain to them that while I was sick my home was invaded with people to help me at my home while I was getting better. The company refused to except that I didnt use the credit credit. So I had no choice but to pay the credit cards and to except what the company said that I applied for the cards, now XXXX XXXX is putting late charges on my credit report again. Im sending mail from the house that I lived in during the time that XXXX XXXXXXXX claims that I applied for the credit cards. 

The lateness is not mine and should be removed. 



I was living at XXXX XXXX XXXX XXXX XXXX MD XXXX During the time that these cards were applied for Please remove the lateness from my report. 

Someone used my information to get the credit cards and your company refused to remove the information and to take the credit cards off my report Im still paying the cards and some cards are in default that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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:
In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-05-22 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: LendingUSA
State: GA

Complaint narrative:
This complaint is in 3 parts sense it involves XXXX different companies ( maybe ). 
Part 1 : XXXX XXXX XXXX ( XXXX  ) ; currently I am having a problem with the IRS and a notice went out to all tax accountants in the land by law ; well I received a call from XXXX on or about XXXX XX/XX/XXXX telling me how they can fix my problem with the IRS. The Rep said he can a XXXX debt to a XXXX settlement for XXXX just simply hung up. So tried to call XXXX back, but no answer, I tried calling the for days, weeks, and never herd from them again. 
I called the IRS about later and the IRS never had XXXX listed listed on my form XXXX authorization to perform as Power of Attorney, nor have they heard from them ; there has been no settlement reached or discussed. This is a pure scam involving one company trying to act as three or what. The two financial companies are demanding payment; PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I filed a dispute with XXXX in XX/XX/2022, saying the this account needs to be removed from my credit report due to the age of the account. The account was closed in XXXX. The account balance is XXXX. It was closed by the credit grantor. The company responded to dispute, they kept the account on the report, and refused to remove it. I would like this account taken off of my report. I believe it is in violation of the Fair Credit Reporting Act by keeping it on my report for over 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: BRite Financial Services, Inc.
State: FL

Complaint narrative:
I have previously filed a complaint against the company Brite Financial Service XXXX XXXX XXXX I spoke with the creditor via phone on XX/XX/XXXX after the complaint was filed with the CFPB, on XX/XX/XXXX the creditor was very upset and advised verbally I would pay for the complaint filed against the company. I advised the creditor I filed the complaint because the vehicle financed was a XXXX XXXX, which the engine was blown and recalled by XXXX and I actually won a class action lawsuit against the company and received payment from the company. 
XX/XX/XXXX Brite Financial made an update to my credit report, reporting 6 late payments which were never reported prior to my complaint filed with the CFPB. 
I have attached documents to proved this account was closed XX/XX/XXXX last payment paid to brite financial XX/XX/XXXX I have also attached Recall notice for vehicle Vehicle was returned to the creditor with a defective engine, as per the recall notice from XXXX XXXX. 
Brite financial is operating unethicality and reporting incorrect information on my credit report. I am filing an additional complaint to have this account removed from my credit file permanently due to the unethical actions of the company against me and my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
During Covid, XXXX XXXX offered mortgage relief ( I have two loans for two houses, XXXX XXXX was awesome, Bank of America was horrible, and my new loan servicer for the BofA loan is good ). I did not have to pay on my mortgages until they told me to. Then the loan servicers forwarded an offer from XXXX XXXX to modify my loans, to include the extra accumlated from Covid ( interest, taxes and interest ). Which I accepted. 

Bank of America " loan servicing dept '' called me three days a week during the time to make sure everything was following XXXX XXXX rules. On XX/XX/2022, I completed the requirements for the loan modification. I was ordered to stand down by BofA loan servicers until further notice. That loan servicing corporation was now responsible for my loan. 

Meanwhile, the Bank of America forclosure department started sending demand letters that were alien to the XXXX XXXX contractual offer. 
Then AFTER bank of america no longer had any legal authority on the loan. The forclosure department was trying to shake me down for {$45000.00} in " arrears ''. 
Then the foreclosure department reported me to credit reporting agencies in XXXX as being 120 days in arrears in XXXX. When they had no legal authority on the loan for several months, thus no legal ability to make the report. Thus taking my credit score down to XXXX. 
This will affect my employability, my current loans and other critical aspects of life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: NJ

Complaint narrative:
My Experian credit reports that were mailed to me were empty, and Experian was unable to create an online account for me. 
Since XX/XX/XXXX, I have called numerous times and filed several disputes, sending twice a copy of my social security card. To no avail. The Experian system doesn't recognize me. 
I have had a bank account with XXXX XXXX XXXX since XX/XX/XXXX. 
XXXX  XXXX XXXX conducted an investigation in XXXX that revealed that they have been reporting my credit to Experian, but Experian 's system does not accept this information due to an issue with my first name. 
My credit information appears in XXXX and XXXX without any issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: LA

Complaint narrative:
In accordance to FCRA converging account XXXX has violated my rights. 

15 USC 1681 Section 602 A ; states I have a right to privacy. 

15 USC 1681 604 a Section 2 also states that a consumer reporting agency can not furnish an account without my written permission. 

On XX/XX/2022 the bureau in question stated that the account was updated, however it is not 100 percent accurate as requested. Bureau shows over 43+ late payments without further verification. Also the bureau further contradicts themselves on the consumer report as PAY STATUS is stated by bureau as current ; paid, or paying as agreed, with a payment showing posted as recently as XX/XX/2022. The consumer report is filled with inaccurate and inconsistent information and must be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NA # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  bankruptcy dismissed # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX became upset when I alerted them that I will no longer do business with them after my vehicle was sent to a shop ( of their choice ) that destroyed my vehicle interior and exterior. I sent videos and pictures of the damage and asked for my vehicle to be moved to another shop and for a XXXX rep to go visit the shop to see the damage. They refused and now they have damaged my credit with a false collected after getting an advanced payment and plenty of written and verbal information regarding the last day of my insurance under them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my navient accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted navient, several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is navient. They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely 90 late payment reporting and destroying peoples credit, goals and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I recently sent a dispute through all 3 credit bureaus to have a closed account with your bank removed from my credit reports. You responded to XXXX and XXXX, and indicated information was accurate, but would not agree to remove it. I am writing to request the it be removed for the following reasons : 1. The account has a XXXX balance. 
2. I closed the account, and paid the balance in full on XX/XX/19. 
3. This has been on my report for 3 years in XXXX, which I feel is sufficient. 
4. I had one late payment the same month I closed and paid the account in full. 
5. I had made all previous payments on time, and made minimum payment each time. 
6. Indicates I had a high balance, which is somewhat misleading, due to the fact that a part of the was interest. 

Due to the reasons stated above I would appreciate it if you would remove this account from all 3 Credit Bureaus as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
XXXX was removed from my account arbitrarily. I havent missed any payments or caused any login issues. I am unable to access my account to view balances, confirm payments are correct, or make any changes. Payments are still being debited from my account but I have no way of confirming they are correct and no way to contact the lender. 

When I reached out to support I received a message saying the issue will resolve itself and if not to call a support line during inconvenient hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I reluctantly signed up with Chime to allow several of my tenants to be able to pay rent through Chime. When setting up the account ( solely for tenant rent transfers ) Chime then sent me a debit card. After allowing only one tenant to transfer via Chime to test out the Chime software I found I was unable to transfer the funds from Chime to my bank account because Chime said I have to activate a debt card in order to receive my funds. I feel as though I'm being extorted. I can't access my own funds UNLESS i add additional Chime services I don't want or need? I finally was able to reach someone from Chime and they had my log onto their website to address it. They could not so then they said I need to download the Chime app since it was the only way for me to get my funds. Then they said I need to activate a temporary virtual debit card in order for Chime to allow me to transfer the funds to another active account I use. In other words, I need to keep adding more Chime services in order to get my money Chime will still not allow me to simply transfer to another account I have already connected to Chime? 
This form of extortion, blackmail, or whatever you want to call it by withholding my funds until I accept all their extra services strikes me as an especially sleazy and dishonest way for Chime to expand their offerings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX Michigan # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXk # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
This person was selling shoes on XXXX via direct message. I sent him two payments separately of {$130.00} on XX/XX/XXXX for each pair of shoes and shipping. Both pair never arrived and after communicating with him for four days, I was blocked from the page ; after doing my of research I found out that the page of the fraud and my money was taken. I have proof of the transaction, messages from him, and I have actual audio of me being scammed. 

On XX/XX/XXXX I contacted CashApp because I paid him through them with proof of communication and everything between us, and they're telling me that they can not reverse the payment or do anything about this. I'm wondering why is it OK for me to use them as a bank, for me to store my money with them and a payment processor, but they don't protect me. 

They became very condescending and aggressive with telling me no and then I was out of my money which I completely don't think it's fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I was notified about overdraft fees because of insufficient funds. Upon my inquiries to Customer Service I was denied any forgiveness, explaining it was an honest mistake intended to electronically deposited {$800.00} into the checking account from my XXXX XXXX checking account all online, but instead withdrawn from the Truist checking account and didnt realized it. that can I get a refund from the charge of {$36.00} for a check total just over {$6.00}. I explained In consideration I paid off my mortgage loan in good standing XX/XX/2022 and a loyal customer for almost 15 years. 

Besides being on hold for almost XXXX to be exact XXXX minutes. 
I called back and was told again they can not help me but go into the bank So I did and was told bluntly that I could not be refunded {$36.00} even though the total bank charges {$100.00} Its a bad feeling of being tossed out of their customer commitment.

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