vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an original creditor account XXXX XXXX with account number xxxxxxxxxxxx XXXX on my report that was charged off and sold to a collection agency. I settled the debt with the collection agency in full. The original creditor already charged off the account on their taxes and made money off selling the debt to the collection agency I paid, but they are still reporting it on my credit report, which brings down my score and affect my credit. I have already cleared up the debt and Equifax is still allowing the original creditor to report the debt which violates my Fair Credit Reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 explanation
Consumer complaint received 2022-01-28 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account with Capital One. I followed all instructions to open the account. I used the mobile app to deposit a check. The check was under the daily deposit maximum. Capital One took about a week to clear the check. They took the funds from the issuer 's account and put it in my account. Now, they will not release the funds to me, because they say that can't " verify '' it. I have complied with all things that XXXX has asked of me, but they are not taking any reasonable measures to resolve this issue. They said that they needed to have the name and contact information of the person that issued the check, and I provided that. Also, the information is on the check that was presented. And, they were able to look up the webpage of the issuer and see office hours. They said they would call and verify the check. They have, so far, not done that. I have spent more than 8 hours on the customer service with them. I was told that for example, they tried to call and the phone disconnected, so they weren't able to speak with the issuer. They told me that if they are unable to reach the issuer, they don't try again. They simply wait for me to call and for me to ask again. However, the issuer has reported to me that he has not had a received or missed call from Capital One. I can't resolve this issue by myself. Capital One has to participate in resolving this issue. Capital One doesn't get to just keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Best Buy card serviced by CitiBank. I had purchases which were eligible for zero interest if paid within a certain amount of time. At the time of purchase, I assessed the amount and divided the total into payments so that I could have the balance paid off prior to the interest incurring on the account. I paid $ XXXX month rather than the minimum charge in order to pay off the account before the interest would be charge. I set up automatic bill pay so the funds were taken from my bank account each month. In the meantime, my credit was compromised and I was locked out of many of my accounts online. This wasn't a problem to me because I had the bill on auto pay so I really didn't need to access the account. 
In XXXX, I realized I had been paying this bill for a very long time, and wanted to see why it seemed to never go down. I called the number on the back of my card to speak with a representative. The person told me that the interest free promotion had ended in XXXX. There was a small amount left on the balance at that time, so the interest was charged retroactive to the initial charge amounting to over {$900.00} on a {$2500.00} original purchase. I never received a letter to this effect, an email, a phone call, nothing. I asked for the charges to be removed, but I was told that if I had called by XXXX, they would be able to remove the charges, but I had passed my 60 day grace period and they could not remove the charges. I have offered to pay whatever actual principal charges are on the account, but I am refusing to pay the interest. I realize I should have been more mindful of when the promotion ended, but I thought I had calculated correctly. I have attempted to rectify this issue, but CitiBank will not budge. I'd like to pay the account balance and in light of my payment history, I do not believe I should have to pay this interest since I had no notification.

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 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have made a payment to my vendor on XX/XX/2021. It was an ACH payment. 2 months later, we realized that the recipient didnt receive this payment. It was from Chase bank to Chase bank. I opened a claim, I went to the branch several times. Last week we went to a Chase branch with my vendor so they can open both accounts together and see the problem. Today, I learned that the claim is closed again without reason. I went to the branch, they talked with the claim department, they confirmed that they closed the claim by mistake. The amount is {$7400.00}. They accept that this amount is missing but it isnt my mistake or problem. My complaint is for the claim department of Chase Bank as well as Online banking department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CT

Complaint narrative:
I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : Experian : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2022-01-28 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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2022-01-28 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All item listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX  XXXX XX/XX/2015 {$0.00}.

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 2022-01-28 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: TX

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account. 
Im sure that someone used my personal information and applied for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have tried multiple times to contact Macys regarding the closure of my account. Each time I call, I am told by a customer service agent that a manager will investigate my account and call me with results within 3 business days. And I never receive a call. I have told them I am happy to make the payments once someone resolves the issue at hand build no one follows through. My Macys account was closed by the store because they claim I called in and demanded they close my account. I promise you, if there was such a call, it was not me. I have had it with Macys and their lies. I need them to open my account back up and take these lies off my credit report once and for all. AND HOW CAN THEY CLOSE MY ACCOUNT IN XXXX IF IT WAS CLOSED THE MONTH BFORE. The customer service is terrible. The follow through is garbage. All I asked was for someone to listen to the call that was made in XX/XX/2021 when I supposedly called in. If anyone does that, they will clearly see it was someone pretending to be me. But they probably lied about that too! This needs to be fixed because I have worked too hard at rebuilding my credit just to have it destroyed over a companys lies!

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: DE

Complaint narrative:
Hello, my name is XXXX XXXX. I have a mortgage with Home Point Financial. I have been paying the mortgage via telephone with a customer representative. I made the XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$2000.00}. I used two of my financial institutions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I've been using these same two accounts to make payments previously. When I went to make my next payment for XXXX XX/XX/XXXX, I was informed that the last payment never went through successfully. I was very disappointed in this matter. I had received zero phone calls to inquire about the failed payment. I immediately paid XXXX payments ( {$4100.00} ) via customer representative again. After making the payment, I checked both my accounts and discovered that the necessary funds were readily available & for some reason unbeknownst to me, Home Point Financial didn't retrieve them properly. Now again on XX/XX/XXXX I discovered that those same two most recent payments have not been processed & the cash is still in my account. I called Home Point & was informed that I must use XXXX XXXX to pay. I did, and was charged fees in excess of {$100.00} extra to make the payment. I attempted a third time to make the payments today XX/XX/XXXX via the XXXX XXXX option. My account # with Home Point is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Account was closed last month at welsfargo bank leaving a balance of over XXXX, i have still not received the fund from the closed account

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 2022-01-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I had purchased XXXX XXXX sunglasses from XXXX. I am a loyal customer from XXXX who constantly orders thousands of dollars every week. I had never received my packages for this order. I had tried to resolve it with XXXX and they told me to file a police report and I did but they said they could not offer me replacements or refunds for the items. I tried to dispute to my bank Citi Bank and they denied my dispute for the lost items.

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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
The person i spoke to on the phone was a female, and i told her i had never used there services and never herd of them until i received a collection notice from them. i asked the amount that i supposedly owed, she stated {$740.00} dollars, and i said for WHAT, what was this service for, she would not tell me, i asked her the address it was billed to and where, what State, house, apartment, and the address, she said she could not give out that information, and again i told her i had NEVER used there services and never herd of them, she just told me that i owed them {$740.00} dollars. this was back in XX/XX/2018, I also told the credit Bureau to be aware of them, they were trying to rip me off for XXXX that i didn't owe, and it went on my credit report anyway. I have lived in hawaii for 28yrs. that's the only address i will be billed to. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I opened my mortgage account in XX/XX/2021. Since I have to pay the school tax in XXXX, the mortgage company, XXXX, requested me to pay it by myself only for the XX/XX/2021. Since then they moved my loan to another company called, Mr. Cooper. 

In XXXX, my lawyer sent a check to the school tax collector and it proceeded. Then, Mr. Cooper sent it again ( double payment ). According to the tax collector ( below is detailed information of the tax collector ), the check has been sent back on XX/XX/2021. 

XXXX XXXX XXXX XXXX 2021 Make Checks Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, Receiver OR XXXX School Tax Department Due to the problem, I closed my escrow account. Since then, I tried to communicate with them but was not successful. When I email them, I occasionally receive their replies saying that it's not their department and sent me a new phone number OR sometimes, no responses OR sometimes, they just sent me a letter that it will take time. Only valid response I got was on XX/XX/XXXX saying that " We have completed a review of your escrow account. We contacted XXXX and due to double payment there is refund available {$7700.00} and will be deposit back to escrow account. We apologize for any inconvenience this may have caused to you. '' However, even since then, I've never received their message so I have to send multiple emails again. 

In XXXX, I was worried if it happens again because I had to pay another tax in XXXX. So, I contacted them multiple times again but never received any valid response. 

Eventually, I called twice today and yesterday, and they said they will send the information to their tax department. 

I don't know whether it will be eventually solved, but it's already 5 months and I'm still paying for the escrow account that I closed. After I close my escrow account, it only shows that I owe them the tax amount. They said they didn't receive a refund from the tax collector. At this point, I don't know where the check is. So, I have to pay for them every month since then. 

It's very frustrating since talking with their representative takes a lot of time due to their automatic system. And everyone including those who email me back or the representatives I have talked to were saying the same thing, they're not the ones who can solve the issue. What I understand is that their TAX DEPARTMENT is working on that, but I wasn't able to talk to them directly. 

Hope filing this complaint will eventually solve the issue and I can get my remaining amount in the escrow account rather than paying for never-used debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account.

Im sure that someone used my personal information and applied for it

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