vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We found this XXXX. It is on mine and my mothers name. Neither one of us cashed it out. The original bank has changed hands several times. We would like to be able to cash it in but. I one we have talked to know how

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Due to Covid19, l had a payment waiver with Navy Federal Credit Union. I was in the payment waiver program when they erroneously reported to the three credit bureaus that I was 30 days p/d. The date was XXXX, 2021 and amount $ XXXXThey admitted the error but has failed to correct the problem. Please have this wrong information delete from 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 2021-05-06 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
SINCE XXXX WHEN I BOUGHT THE XXXX XXXX XXXX  XXXX. I HAVE BEEN MAKING EXCELLENT PAYMENTS ON MY CAR. IN XX/XX/XXXX, I STARTED TO FACE PROBLEMS MAKING PAYMENTS SO I SET UP AUTO PAYMENT WITH BY XXXX  XXXX XXXX ACCOUNT. PRIOR TO THE START DATE OF THE TIME I SET MY BANK TO START MAKING PAYMENT, I MADE PAYMENT ON XX/XX/XXXX VIA XXXX XXXX BILL PAYMENTS. ON XX/XX/XXXX PAYMENTS WERE MADE VIA MY XXXX  XXXX XXXX AUTO PAY, ON XX/XX/XXXX PAYMENTS WERE ALSO MADE BY XXXX  XXXX XXXX TO CHRYSLER CAPITAL ON MY BEHALF. NON OF THOSE PAYMENTS WERE CREDITED AS A RESULT I BECAME CONFUSED AND FELT CHEATED. I MADE SEVERAL CALLS BUT THEIR STAFF WERE VERY UNPROFESSIONAL. AT THAT POINT, I DECIDED TO STOP PAYMENTS UNTIL MY TWO PAYMENTS ARE CREDITED. I ALSO INFORMED THEM TO STOP CALLING ME UNTIL THEY CREDIT MY ACCOUNT. IN SUMMARY, I FEEL THAT SOMEONE IS TRYING TO FRAUDULENTLY TAKE MONEY FROM ME, DESTROY MY CREDIT AND STANDING AND MAYBE EMBARRASS ME WITH A REPOSSESSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCBXXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, XXXX XXXX XXXXXXXX CREDIT and SYNCB/XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, XXXX XXXX  XXXX XXXX  and SYNCB/XXXX XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2021-05-06 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a loan with XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX  XXXX/XXXX, TD BANK USA/TARGET CREDIT and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: LA

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am attempting to pay off my loan early by making additional payments towards my principal each month and the mortgage servicing company reverted my payment towards escrow, and made me have a missed payment for the month of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an auto loan with AMERICAN EXPRESS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMERICAN EXPRESS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMERICAN EXPRESS with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX  which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. 

-- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
CRYPTO.COM does not responds for over a month. There is no telephone and no address. I used to trade with them and they have assets either crypto currency or US dollars that I want returned, but they dont even reply online to me. Can you help? My name is : XXXX XXXX XXXX aka XXXX XXXX XXXX ; XXXX XXXX XXXX, my Email : 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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Applied for a Chase Saphire Preferred card in the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, AZ XXXX on XX/XX/XXXX. 

Banker took my information and a full application was submitted. After a long wait, it was apparent that there was some sort of error and the application did not appear to go through. Out of an abundance of caution, the banker called the Chase lending department to inquire about the status of the application. He was told that an application did not go through, my credit was not pulled, and was advised to resubmit my application through the chase website directly. 

It was noted that this was a known error when applying for this card in branch, and that I would not be at risk of two hard inquiries. The banker then submitted my application again and I was approved. 

The following day, my XXXX  credit report showed two hard inquiries from Chase Bank. The first on XX/XX/XXXX, and a second on XX/XX/XXXX, the day after my initial application. 

The banker who processed my applications reached out directly to the lending department on XX/XX/XXXX to request that one inquiry be removed as it was the direct result of incorrect information given from the Chase lending department. The agent said there was nothing that can be done, instead passing the blame onto the banker. Again, I was present when the banker called the lending department to advise if my applicaiton had been submitted and was ensured that it had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: VA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

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 2021-05-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( US Dept Ed, Dept Ed/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
in XXXX of XXXX i was given a HELOC by Washington Mutual bank Interest Only for a maximum loan amount of {$100000.00}. I paid on the loan, paying some on the principal of which i had problems with the bank applying all payments to my account. I received the amount in 2 payments $ XXXX {$55000.00}. XXXX, XXXX the bank realized they had made a mistake in issuing the full amount to me, they had no instrument to collect any fees or interest, and at the time unknowing i signed a loan modification for an additional {$50000.00}, amount i never received, to cover fees and interest rates. I had to do a loan modification after Chase bank took over Washington Mutual due to accelerated interest rates on credit cards and the modification included a deferred amount of {$79000.00} plus an unpaid balance of approx. XXXX which i am currently paying. I am requesting Chase to either absolve the deferred amount or allow me to negotiate it down so that i may have the ability to refinance my current mortgage at a lower rate as i would like to remain in home. I am XXXX XXXX XXXX on a fixed income and it is a hardship for me to try and continue to be self sufficient. As i have been advised by Chase if i don't pay the HELOC my home may end up in foreclosure, even though it was discharged in bankruptcy 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A.
State: MS

Complaint narrative:
Hello I have been trying to contact this company in regards to a debt that is on my credit. It is a medical bill that was never submitted to my insurance and I have sent a request letter to obtain the information to send a claim myself. The company has not responded to my letter will not answer my calls or return them. They also refuse to send the bill to my insurance to be paid. I have left messages and voicemails with no answer and have also been hung up on repeatedly by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
This is my second complaint against Credit resolutions LLC. regarding the same acct. In my previous complaint they responded that it was resolved. This was intentionally misleading. They have continued to try to collect on the same bill that was shown to be illegitimate. My insurance company has proved that the claim was never submitted and the acct. was sent to collections. By the time the provider submitted the correct claim it was outside the 6 month timely filing clause my insurance provider has. Per XXXX 's contract with this provider I am not liable for any costs. This collections agency irresponsible behavior has now caused me to be denied a mortage loan pre-approval.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

EXPERIAN : 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 explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
WAKEFIELD AND ASSOCIATES  at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX, has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I spoke with XXXX  on XX/XX/XXXX on the phone from TransUnion and he told m that it will cost me XXXX $ for both the Credit Report and Credit History, Then He told me it will be free so he was lying to me and disrespecting me the whole phone call, please check the recording of the call, He knows nothing about the Bylaws of TransUnion, I would like to officially file a complaint against Vector from TransUnion for Lying to me and giving me wrong information.

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