vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: GA

Complaint narrative:
This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-29 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: GA

Complaint narrative:
This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 11 XXXX XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
I contacted Check n Go on XX/XX/XXXX to complain about the loan terms and their unfair practices to consumers. They logged my complaint XXXX and stated they will get back to me. I received feedback on XX/XX/XXXX basically telling me that I agreed to the terms and they could not help while the loan was active and would not be able to settle the account or come to an agreement until the account was in collections. My thoughts, if I wait for the account to go to collections, then it will be on my credit report, which I am trying to avoid by asking for assistance before it got that far. In the state of Pennsylvania, payday lending is considered illegal according to the Check Cashing Licensing Act of 1998, 505 ( a ). Pennsylvanias Loan Interest and Protection Law ( LIPL ) prohibits lenders to charge an interest rate in excess of 6 % per annum on a loan amount less than {$50000.00}. The Pennsylvania Supreme Court set a rule in XXXX that all lenders ( in-state and out-of-state ones ) willing to give loans to Pennsylvania borrowers must abide by the state laws. I will also file a complaint with the Pennsylvania Department of Banking, since I am and always have been a Pennsylvania resident. The identification and everything else used in the transaction was from the State of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
Unable to unlocked my report. I paid for Equafax premium service that allows me to lock and unlock my report. But every time my report is locked, it has been a problem unlocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: SC

Complaint narrative:
All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.

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 2022-08-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.

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 2022-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX This account is in accurate Please reinvestigate this account and DELETE THIS IMMEDIATELY 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We are " Affected Consumers '' of a Federal Lawsuit involving, Bureau of Consumer Financial Protection v. Nationstar Mortgage LLC, d/b/a Mr. Cooper, case 1:20-cv-03550-JEB , " STIPULATED FINAL JUDGMENT AND ORDER ''. 
Pursuant to the " Orders '' contained, Nationstar was ordered to notify " Affected Consumer, '' and the Administrators assigned to the escrow distribution funds account are to contact us, inform us on the amount of money to be distributed to us and send us a checkfor payment. 
We have now and have had ongoing complaints with the CFPB concering violation against us pertaining to Nationstar Mortgage. A look at my complaint history shows the issues that I have had with Nationstar d/b/a Mr. Cooper. 
Every " Order '' in case 1:20-cv-03550-JEB has directly affected us. I will be contacting Nationstar Administrator and or attorney assigned to this case to find out what happen to our reimbursement as Borrowers affected by the lawsuit concerning Nationstar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have had this credit card for over 8 years and have consistently been charged increasing interest rates even though i have been paying over triple the required monthly payment for years. In XXXX I requested a lower interest rate and was told i was up for review in a couple of days and that I would be getting paperwork in the mail in a couple of weeks. The recording also said this conversations was being recorded. I waited till XXXX and called again. The women told me I was not up for review until XXXX! I was so mad and told her what I was told by the previous gentlemen. She just apologized and did not offer a review or for me to talk to any one. I then called back and cancelled my card. I am now constantly seeing an increase in my interest rate on a closed account!!!! I called about it and they told me that its a variable and they are allowed to do that!!! I asked them why they didn't lower my rate during the pandemic when the prime was at 3 % if I had a variable? They did not answer. They checked into my XXXX and XXXX conversations and claim there are no traces of them. Of course not!!! Even though the recording said they were being recorded. This Company Chase is a scam. They lowered my credit score XXXX points right away! I may owe them {$140.00} for an exercise bike i purchased from XXXX  I have transferred all my bills to my checking account and contacted XXXX last month about paying for the exercise bike. They had me talk to Chase and they could not tell me anything because the account was closed. I do not want to send the {$140.00} in and it be shown as a payment. I feel they are illegally charging me increased interest on a closed account every time the interest rates go up.I would like to clear up the {$140.00} i may owe and I would like them to correct my excellent credit score that they ruined! Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
First there was a dispute filed against charges by XXXX, Bank of America has provided a specific date that the funds will be availbile. Keep in consideration that they provided 2 dates after the date they promised when I never received. This lead to a complaint which is the following XXXX ( CFPB ) So, I was lied to by a Federally ran company by mnultupole employees. So, Bank of America has not provided the refund according to the dates they stated. 

Issue : I put fuel in my vehicle for the amount of {$10.00}, I usually put between {$10.00} and {$30.00}. Well, I was charged by the gas station over {$100.00}. I immediately contacted the bank and informed them ; keep in consideration that they have not resolved the other dispute. 

1. I have never put more than {$30.00} of fuel in my car for at least a year or so, 2. The vehicle is only under XXXX gallons of fuel 3. Fuel price per gallon was not the price it is today 4. The gas station did not have any employee 's working, the door was locked and closed. 

The bank has stated that they will contact me if, again if there is anything that they need or that can potentially cause this to be denied. Well, first of all I was not concerned considering that I did don't put that much fuel i my car but most of all when my vehicle currently at the price per gallon cost {$74.00} to fill up again this is today 's price I did not thing that there will be an issue. 

I am confident, commutable to put my life on the fact that they have manipulated the entire dispute or actually manipulating me by applying the credit for the XXXX transactions than in conjunction taking out the funds that was already credited for the dispute for the fuel. This occurred the same day, 1., Did the bank provide me a single opportunity, 2. Did the bank ask me if I have a receipt 3. Did the bank consider small facts that can show that they made a decision that if this was a situation that was held i court that they would immediately lose credibility Bank of America favors merchants, or better yet merchants that actually bank with them. 
Why would a bank want to potentially loose a business account versus a personal account, so the way to prevent that is by making sure that they provide service to the other person and in return treat me life 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 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
At the beginning of XX/XX/2022 I received a check from XXXX XXXX  which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at Huntington bank and when XXXX XXXX XXXX went to cash the check Because they are the issue were of the {$21.00} check account for coastal XXXX XXXX, they bounced the check to HUNTINGTON and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid HUNTINGTON intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest Huntington bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because XXXX XXXX XXXX made an error or lied about a {$21.00} check so XXXX XXXX XXXX also owes me {$31.00} for the amount of the original check plus {$10.00} and HUNTINGTON fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because HUNTINGTON decided to close my account based on XXXX XXXX XXXX word that I altered a check. So this complaint is actually against both Huntington bank and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ut a disput in to Wells Fargo equal around to XXXX but it not was two separate charges the im question is XXXX the bank issued a temporary credit then 120 day later they did a credit reversal so now im negative XXXX this was a charge from a company called XXXX XXXX XXXX  they got shut down by the Ftc service werent not rendered but bank is saying they couldnt collect on the he money when the ftc clearly said the asset are frozen for refund the consumer sowhy didnt well fargo contact the ftc to get the money back i give them the agreement that service wont render and because they revsered the charge isnt right

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX  months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

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