vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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: OK

Complaint narrative:
I previously mailed the attached letter below on XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to the XXXX to purchase some food. I transfer the last balance from XXXX to XXXX XXXX the amount {$28.00} and it that it alway problem with collect of counting funds with both banks to keep from have money available they make yo make as I would not have enough to purchase food. So I started with closing Chase continued have problems with disputes and investigate of disputes and close the account and when I go to Bank the unable to print statements and after review my account it will lock me out my account more then once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
Every month, I pay off my balance in full, but I forgot to make a payment this month. As a result, I was charged a {$29.00} Past Due fee by XXXX on XX/XX/2021 and then assessed {$1.00} in interest on XX/XX/2021. However, XXXX 's ONLY communication with me alerting me that I missed a payment came on XX/XX/2021. Immediately upon discovering my XXXX account was past due on XX/XX/2021, I immediately called XXXX to address the issue. They offered to waive the {$29.00} past due fee, but they declined to waive the 16.99 % penalty interest that was incurred from this late payment and upon payment in full of my balance, XXXX said they would keep the penalty 16.99 % APR indefinitely ( as opposed to the 11.99 % that was on my account prior ). 

I believe it is an UDAAP violation to wait 9 days ( XXXX ) after charging me a late fee until notifying me that I missed a payment. The fact that they let an extra 9 days of interest accrue before alerting me of the missed payment and then refused to waive the interest is particularly galling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: Synovus Bank
State: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've filed a credit freeze with all three major US credit bureaus ( XXXX, TransUnion, XXXX  ) I've received a PIN to unfreeze my credit from each of them. 

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider. 
XXXX  worked mostly fine. 
XXXX and TransUnion both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX  breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.

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 2021-08-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've filed a credit freeze with all three major US credit bureaus ( Equifax, XXXX, XXXX  ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

XXXX  worked mostly fine.

Equifax and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 

These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public. 

As an aside, the Equifax breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've filed a credit freeze with all three major US credit bureaus ( XXXX, XXXX, Experian ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

Experian worked mostly fine.

XXXX  and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX breach settlement was a joke.

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.

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 2021-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America credit card that I've used since XX/XX/2018. The very first things I do when I get a credit card is setup the online account access and setup recurring automatic payments from my checking account. I did the same for this Bank of America credit card. I had automatic recurring payments to pay my full statement balance. I used the credit card in XXXX for a small charge of {$40.00}. I don't check my online account because since the very beginning it has been setup to pay the full statement balance. Two months later, in XXXX I check my credit score and it seemed to drop over 50 points from two different credit bureaus. I log on and there was XXXX missed payment from Bank of America. It was that {$40.00} charge. 

I immediately log onto the Bank of America XXXX and pay the bill and call customer service to explain what happened. Bank of America flagged my account and rerouted the call to the collections department, even though I had already payed the bill on the app. He wasn't able to help and he redirected me to a different department to file a compliant. It turns out that the complaint is just to complain and give feedback, not to actually file a resolution. This wasn't helpful at all for me. This person shared with me that the reason why this missed payment occurred was because I hadn't used my credit card in a while and due to that, the automatic payments could've failed. This person transferred me to another person who also couldn't help and then ultimately transferred me to someone else who helped me file a ''Credit Bureau Dispute ''. My case number with Bank of America is XXXX. This person assured me that due to me looking for my mortgage in the near future and since my credit score dropped over 50 points due to no fault of my own, that someone would reach out to me via phone within 1 week to discuss this matter and find a resolution. I get no phone call and end up calling back customer service and after giving the case number and explaining the situation, they just say that they can't help me and to wait for a letter in the mail and this could take up to one month. This is unacceptable. I have over 15 credit cards and over {$70000.00} in credit available to me by over a dozen financial institutions. Never has any of my automatic payment systems failed with any of them. It's ridiculous that for someone who has utilized the system and done everything correctly with Bank of America, that they have no internal processes in order to fix their errors in this matter. Ive been bounced around different departments like cattle. Absolutely horrific.

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 2021-08-28 00:00:00
Product: Credit card or prepaid 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I went to Ace check cashing store # XXXX to cash check she said she was out of money but she could give me XXXX and put balance on card i agreed she put XXXX in 10 min XXXX was being taken off card in XXXX XXXX XXXX  while I was still in store in XXXX as soon as I swiped my money was taken before I left the store reference number Ace flare account my money was stolen by Ace check cashing I never use the card as soon as I swiped and loaded the card money was stolen. This happened at the XXXX Ace on XXXX in California. Dont use these check cashing for money transfers they are fraud transactions ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TX

Complaint narrative:
On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 I submitted a dispute to Experian with a letter of deletion that I obtained from The Bankruptcy Court as well as XXXX XXXX reporting agency in regards to a bankruptcy in question showing on my credit report. I have attempted to have them remove this item but they constantly refuse to comply even with the provided deletion letters.

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 2021-08-28 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: World Acceptance Corporation
State: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Dealer Finance of Western Kentucky
State: KY

Complaint narrative:
I have several late payments on my credit report from dealer finance of western Kentucky. I put in a dispute through XXXX XXXX but nit satisfied with the results. Will you PLEASE check into each month and make them show you why they're showing 30-59 days late when that isn't the case. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX XXXX WA XXXX Dear Sir or Madam : XX/XX/2021 I recently applied for a Home Loan and was denied. In large part, this was due to errors being reported in my name by Experian. I am therefore requesting that you do a thorough investigation of the accounts Ive listed below for both accuracy and completeness : Creditor Account Referenced Creditor Account referenced XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX Key # XXXX # XXXX # XXXX # XXXX The errors Experian is reporting in my name are causing me great financial harm. Pursuant to my rights under the FCRA, I will wait no more than 30 days from the verified date of your receipt of this letter ( sent to you via USPS Certified Mail ) for completion of your investigation. Upon completion of your investigation of the accounts listed here, please provide me a corrected and complete copy of my credit report. ** Specifically, I request that Experian demonstrate the Date of Last Activity, or Last Active date, for each of the accounts in your records. ** It is my understanding that the FCRA allows a Credit Reporting Agency to request proper identification before addressing my concerns. To that end, I have enclosed the following information to demonstrate my identity : A copy of my U.S. Passport Two bills addressed in my name and delivered to my address of record A copy of Page 1 of the Partners Credit & Verification Solutions credit report used in considering my loan application which demonstrates that Experian sold my information and that this is the same information I have provided to you in the List of Accounts presented above. 

XXXX*Note : I have every reason to believe that a U.S. Passport is accepted in all 50 States and by any US Court of Law as Proper Identification. Additionally, both my Social Security Number and Date of Birth are displayed on the Partners Credit & Verification Solutions credit report. Demonstrating that Experian sold my information to them using this same information as identification. This statement is signed under oath and is a true representation of the information available to me. 

Regards, XXXX XXXX XXXX XXXX. 


CC : File

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 2021-08-28 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The creditor is Best Buy Credit. I have made consistent and frequent payments over the last 2 years and 5 months. I have never been late on a payment and according to my records I have paid {$3700.00}. On XX/XX/XXXX apparently a charge of {$5000.00} in interest was applied to a {$3400.00} balance resulting in a {$8400.00} balance. I called 6 times to speak with a customer service representative. 4 of the 6 times I was hung up on and 2 of the times I was put on hold for over an hour before being hung up on. I tried accessing my account multiple times online only to receive error messages. I requested to close the account which I was able to do but I was not told how the {$5000.00} interest charge was applied and to what item it applied to only that it was due to an expiration of a promotion. To my best recollection any promotion was only going to revert to a APR of 14.9 % after the interest fee payments of 24 months. Best Buy has been non communicative and unable to provide the information when requested multiple times. The last I had heard was that it was escalated and that someone would contact me but I have yet to hear from the company. A 143 % increase in the overall balance while paying on time over the last 2.5 years is egregious and should be remedied. I am not opposed to paying what I owe with a reasonable interest rate. In my mind Best Buy practices predatory and fraudulent lending on par with loan sharks.

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 2021-08-28 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet Student Loans XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have called on 2 different occasions about why these loan are showing negative on my credit report.. My students loans should not be showing negative. They are deffered and not defaulted or negative. I have called Nelnet/ US dept of education and I was informed they they are not showing negative, but they are showing negative. 

XXXX XXXX ( Date opened XX/XX/XXXX ) XXXX ( Date opened XX/XX/XXXX XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX ) XXXX ( date opened XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax XXXX  XXXX is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded

Company response to consumer: Closed with explanation