vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reported all 3 major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 
XXXX and Equifax are reporting a different account number from XXXX. XXXX and Equifax are reporting a high balance of {$1500.00} and XXXX is reporting a high balance of {$1500.00} which is different from the other 2 Credit Bureaus. XXXX is reporting date of last activity of XX/XX/XXXX, Equifax is reporting a date of last activity of XX/XX/XXXX and XXXX is reporting a date of last activity of XX/XX/XXXX all dates different each bureau. XXXX and Equifax is reporting balance owed of {$1600.00} and XXXX is reporting balance owed of {$1600.00} and balance owed is higher than the high balance amount. XXXX and Equifax are reporting on account status as closed and XXXX is reporting account status as open. Also a collection account can not be listed as an open account. 

XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
Consumer disputes thisaccount information Subject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
In XXXX, I purchased a vehicle and got a loan to pay for the car. Paiding on the vehicle for the last 5 years collectively. I then in XXXX requested a personal and the financial company approved it as a secure collateral loan against the vehicle. Whereas, I requested another personal loan with the same company, they approved again as a secure collateral loan combining all secure collateral loans together. 
To date the car needs repairs, but the cost is higher than the car 's value. I spoke with the financial company regarding this. Proposing to sell as a salvage, and then use money towards loan balance amount still owing. But the financial loan officer stated I will need to pay them a fee 1st in order for them to release the title to me moving forward. I'm attempting to find out whether the financial is in compliance of such actions. The " why are they able to charge me a fee and the car is of less value then the amount still owing on my outstanding loan amount? '' Please assist and direct me accordingly to WA State consumer law ( XXXX ) or directives on identifying if this financial company is correct in business consumer processes. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX at XXXX 2022 I received 3 text message from capitalone transaccion one by one .... that I did no mine. the first XXXX second for XXXX ant the thirt for XXXX something and was decline because the text ask for confirmation YES or NOT and I answere NO... but did not ask for the first 2 transaccion and going thru my account ... Inmediatly I call to Capital one to report the transaccions .... and They block the credit card ... and issue a new one ... .. they ask if I have the plastic card with me... and I said yes ... on my hands ... and I XXXX know how they used my Info into the place to make the fraud ..... The lady said the transaccion was reversed and a investigation start to define the situation. after 20 day in XX/XX/XXXX the investigation make a ajustment in my account and put again the two charges into my account and said that the transaction was made legal ... ... and the case was close .... I need you help because someone use my info to make fraud transaccion... I never use the credit card to purchase more the XXXX dolars... only for food or goodies for less money .... Im scare and sick how Capital One take decision without serius investigations ... and how the store accep creditcard without ask for personal Identifications ... case number XXXX was close and broke my right to defend in this... situacion Why the transaccion going thru without my permission? Why the text message only ask for the thirt and no for the first 2 transaccion ..... 
I report Inmediatly by call to the fraud department and they never give me a real solution .... 
Where are the secury from my credit card company..? 
I lost the trust from them and I feeling sik and my live has worse after this situation .....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have two outstanding credit card disputes ( one dispute is two transactions Claim XXXX and XXXX, and one dispute is XXXX ). I have been working with Bank of Americas credit card dispute team checking the status, providing additional information, etc. These disputes date back to XX/XX/XXXX. 
As you can see from my communications dated XX/XX/XXXX, the credit card dispute team has provided information but they have not completed or resolved the inquiry / dispute : In one situation, the credit card dispute team told me that the two claims had been resolved in my favor ( and the credit was permanent ) but they could not send me anything confirming that information. I pointed out that I did not believe that was correct I provided an example of a claim in which they had provided me such a written confirmation. 
In the other situation, I am still due a credit and looking for similar written correspondence that the dispute is permanent and credited to my account. 

While not in my escalation to the Executive Complaints Team at Bank of America, the process has been confusing an disjointed. For example, during one call to the credit card dispute team, I asked for the fax number to send additional information related to my disputes to Bank of America the Bank of America contact ( in card disputes ) told me that they did not have that information that they could provide for me. In another case, a Bank of America contact provided me information about the disputes process ( i.e., 30 days to complete ) and when I called again another Bank of America contact told me I had been given incorrect information. 
All I am l requesting is that Bank of America confirm in writing the details of the discussions that were provided verbally and confirm that these disputes are permanent and resolved in my favor. The two letters I sent to Bank of America ( dated XX/XX/XXXX ) so indicate ( sections marked My request to Bank of America ). 
While I did not want to file a CFPB complaint, I was very clear that this would be an action step if the Bank could not complete the inquiry. I so informed Bank of America contacts when speaking on the phone. I have also sent this information to the Executive Complaints department ( via certified mail receipt attached ) and through several e-mail contacts. Bank of America has not acknowledged my escalation, and no additional information has been provided.

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 monetary relief
Consumer complaint received 2022-07-11 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: AZ

Complaint narrative:
I reached out to EQUIFAX to dispute information on my credit report from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an eviction on XX/XX/XXXX with the XXXX XXXX XXXX XXXX and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX housing, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

XXXX XXXX then submits a report to XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX XXXX XXXX when they evicted me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting thisXXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw some inquiries on my credit report I have a fraud alert but did not receive any information that someone pulled my credit I have not done business with these companies and I did not give anyone authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company, Portfolio Recovery Solutions, has been making multiple calls within a day and easily goes over the maximum of 7 calls within a week. They are also trying to collect on a debt that is over 4 years, which is the statute of limitations in the state of California. I called today, XX/XX/XXXX at XXXX am XXXX, to request they cease all calls and stop pursuing collection on this expired debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent multiple requests to get an update on my credit report from XXXX, XXXX and Equifax and have yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent multiple requests to get an update on my credit report from XXXX, Experian and XXXX and have yet received a response.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: CT

Complaint narrative:
Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
Credit Acceptance ( Furnisher ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
Credit Acceptance stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and XXXX payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, Credit Acceptance failed to report payment delinquency information on credit reporting payment history. 
Credit Acceptance is furnishing re-aged payment history reference " payment history legend. '' Credit Acceptance " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per XXXX online credit file, Credit Acceptance is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, Credit Acceptance is redirecting me to address inaccurate information on my credit file to XXXX, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, Credit Acceptance has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my XXXX credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I overnighted a payoff check to XXXX, it was received on XX/XX/2022 via XXXX tracking XXXX. As of today, XX/XX/2022 the payoff has not been posted to my account. I have contact them twice to follow up, the company is telling me it will take up to 2 weeks to post the payoff to my account. In the meantime they will draft me automatically on XX/XX/2022 an additional {$1200.00}. Further increasing an overpayment on my loan. All while the loan is continuing to accrue interest at a higher balance than should be stated. I am not getting any type of resolution from the servicer and request a review.

Company response to consumer: Closed with explanation