vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I scheduled to USAA for an additional principal payment to be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened numerous times in the past. In XX/XX/XXXX, I filed both a CFPB and XXXX complaint on this same issue and was told " XXXX recently implemented a process that would have automatically addressed the payment issue you identified in XX/XX/XXXX. '' However, this process either was not followed or did not work on the payment I made on XX/XX/XXXX. When I called an agent to have the payments to be correctly applied, she failed to do so. I had to call a XXXX time where the new agent told me the 1st agent never took action to correct the payments. I've also requested to speak with upper levels of management to understand why this keeps happening as XXXX/USAA are incapable of appropriately servicing the mortgage, but have not heard back from anyone in either company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I inquired of Self, Inc. ( formerly Self Financial ) if my secured card ( at a zero balance ) could be converted to an unsecured card as my credit score had improved significantly. I was informed that Self does not have unsecured cards. As I no longer have a need for a secured card, I made the decision to accept the ding on my credit for an account closure and on XX/XX/XXXX I requested closure of my secured Self card and a refund of my deposit ( {$270.00} ) and received no reply or response. According to the information on Self 's own website, I would receive my refund at my bank account on file. On XX/XX/XXXX I requested the same and again no response. 

On XX/XX/XXXX I was assured by not one but two Self representatives that " the check was in the mail '' ( see attached ). Neither answered my questions of why the funds weren't transferred to my bank account and why I've been forced to request this over and over again. 

Needless to say, I received no check or bank transfer. I've verified repeatedly that both my bank account and my address are correct and unchanged since opening the account. 

I've now confirmed the account is indeed closed and have suffered the expected hit on my credit, but not received the benefit of my refund. 

On XX/XX/XXXX, I again reached out to Self. This time I was promised that the alleged check would be cancelled and I would receive a bank transfer within 2-3 days ( see attached ). As of yesterday, 3 business days has passed and still no refund. I am beyond frustrated at this point and continuing to receive the runaround. 

I've tried literally for two months to assume good intentions of this company but I now have no choice but to assume this is fraud on their part. I cringe thinking of the number of people who either give up on their refunds or flat out forget during these troubling times. 

This can't possibly be a large sum of money to this company, but it is to me. Especially at XXXX time. 

Thank you in advance for any assistance you can provide. 

**I 've tried several times to attach supporting documents but that feature does not appear to be working. The docs are available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I only ordered one gift card at {$50.00} value from Vanilla Visa gift cards ( vanillagift.com ) but when I got my confirmation order emailed to me, the confirmation said I was being charged for double my order. I KNOW that I reviewed my order prior to checking out online. I called the very minute, 3:55 PM on XX/XX/2021 I received the fraudulent confirmation order of {$100.00} and said that I had only intended to buy one card and I wanted them to cancel my order OR change it so that only one gift card was sent as a gift to the address I enclosed. 

On their website it says that they can amend orders if you call immediately as they like to be expedient in getting orders out. 

After being on hold for an HOUR I was told by a customer service representative that there was nothing I could do and that I would be charged XXXX dollars instead of XXXX. 

I had to report them as fraud to my credit card company so that the charge would not be applied to me. This was an expense for work and I fear I won't be reimbursed for this fraud. 

Since the incident, I have found that Vanilla Gift is well known for scamming customers in this way, but I wish I'd known that earlier as they seemed a reputable website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for 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 2021-12-16 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: TX

Complaint narrative:
Experian is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.

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 2021-12-16 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:
I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for 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 explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX  XXXX XXXX and XXXX Bank. The XXXX XXXXXXXX XXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX  XXXX XXXX reported to Experian. Experian has repeated the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This will constantly keep the score from increasing! This same action has occurred with the XXXX Bank account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not have to keep updating the status if the creditor does not report it. I am attaching a copy of the accounts on my report so that you can see the issue. 

I would like to have these charge offs removed on my credit report so that the score can increase to what it should be. This needs to occur immediately!

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 2021-12-16 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: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: IL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for 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 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Mid-Atlantic Finance Co., Inc.
State: VA

Complaint narrative:
After assessing the contract obtained for my vehicle I identified that there were several illegal charges that were assessed in this consumer transaction. I have outlined violations identified below along with supporting documentation which support facts. 

Affidavit of Truth Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administer, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Where, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceitful creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit A and Exhibit C that MidAtlantic Finance Company , Inc., is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. MidAtlantic Finance Company did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit B that Mid Atlantic Finance Company XXXX Inc., is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Mid Atlantic Finance Company took cash as shown in attachment labeled exhibit B. 

Fact, Affiant is aware and has proof in attachment as labeled Exhibit A that Mid Atlantic Finance Company , Inc., is in violation of 15 USC 1611. Mid Atlantic Finance Company , Inc., willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This company has repeatedly ignored my request for this account to be removed or updated from my report based on the inaccuracies they're reporting. There is not just one but multiple inaccuracies across all three credit bureaus, which include high balance, date of last activity, date opened, and date of last payment. According to the FCRA all information contained in my credit report should report exactly the same, however, it is not.

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 2021-12-16 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: Penn Credit Corporation
State: MD

Complaint narrative:
IDENTIFICATION NUMBER is I disputed 2 items on my account, and of course you sided with them?? Please have them PRODUCE INFORMATION FROM MY FILE that indicates I've done business with them. I sincerely have never heard of either one of them?? 
XXXX XXXX XXXX XXXX XXXX {$0.00} - - - Dispute PENN CREDIT CORP XXXX {$1200.00} - - - Dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for 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