vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 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: MD

Complaint narrative:
I had fraudulent activity going on my credit report awhile back & called Eqiifax about it & when they investigated on it, they seen it was fraud & gave me conformation number showing that they have removed the 4 hard Inquiries from my credit report & address XXXX XXXX XXXX XXXX that wasn't mine, never lived there. They never removed anything & they can't give me a confirmation showing they have removed it but never did That's illegal & I can file a lawsuit for falsifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: NY

Complaint narrative:
sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover collection unit keeps on calling me after I have told them repeatedly to take me off the calling list. I have nothing to do with the debt that is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 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: NY

Complaint narrative:
sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from XXXX  and trans union

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 2021-04-04 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: Chime Financial Inc
State: MI

Complaint narrative:
I rented a car today on XX/XX/2021 and three weeks later, my bank falsely charge me twice that same day and tried to blame the Merchant, but, I contacted the merchant and we both submitted proof of my transactions and they just refuse to accept. Now my credit has been lowered and I've suffered mental anguish trying to fight this injustice ... And damage done wrongly to my credit which is my life. Chime is the bank I now wan na sue.. They are scamming theives, Stealing constantly little two 's and fews from the poor, why they get richer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CITIBANK, N.A.
State: GA

Complaint narrative:
A citi bank credit card was opened in my name XX/XX/2019. It has been written off with a balance of {$1000.00}. I did not open the account. I have contacted Citi Bank numerous times to remove the account and they continuously refuse to remove the account from my credit 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 explanation
Consumer complaint received 2021-04-04 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: Thaxton Investment Corporation
State: WI

Complaint narrative:
This account was open in XX/XX/2011so it as well over seven years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: WI

Complaint narrative:
This account was open in 2011 so it as well over XXXX years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with Synchrony Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my three credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXX  about thirty miles away from my current residence. I did own a home nine miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with TransUnion that indicated there was a credit inquiry by Synchrony Bank on XX/XX/XXXX. It was about the time I made a purchase from CARID for tires and wheels for $ XXXX I actually took a three payment offer through Affirm that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.

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 2021-04-04 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: GA

Complaint narrative:
I opened a Merchant ( XXXX XXXX Credit Card account, issued by TD Bank NA, in XX/XX/XXXX for {$3200.00}. Agreed minimum monthly installment payment was {$94.00}, to be paid off by XX/XX/XXXX. 
I was determined to pay it off much sooner, so I started paying larger installment amounts. All my payments were made through my XXXX XXXX XXXX, Money Market Account by Electronic ACH Web Payment : XX/XX/XXXX : ACH Electronic debit TD Bank NA, Web Payment XXXX = {$250.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA XXXX Web Payment XXXX = {$350.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA , Web Payment XXXX = {$400.00} XX/XX/XXXX ACH Electronic Debit TD Bank NA XXXX XXXX XXXX = {$480.00} XX/XX/XXXX - XX/XX/XXXX : Total amount paid to TD NA Bank XXXX {$1400.00}. These amounts were not reported on the statements. 

On XX/XX/XXXX Statement, they finally recorded my 5th installment of {$150.00}. What did they do with my four earlier instalments, totaling {$1400.00}? 

I just went on the web site of their subsidiary company ( XXXX ), who services the credit payments. I tried to pull my statements. To My greatest shock, none of my four ( 4 ) payments were reported on all 4 statements. Each statement was BLANK, with the notation " NO TRANSACTIONS FOR THE SELETED MONTH '' TD Bank NA, is running a very fraudulent system. If a little mom-and-pop shop tried such scheme, they would be rotting in jail by now. I hope to XXXX that, CFPB will take a serious look at this. I have copies of the 4 blank monthly statements, should you need them, to support my case. 

Thank you very : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Re : Inaccurate account on credit bureaus : Bank of America XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To : XXXX  To : XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-04-04 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: CA

Complaint narrative:
There are accounts and addresses on my credit that do not belong to me. Please remove them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CA

Complaint narrative:
There are accounts and addresses on my credit that do not belong to me. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Federal Reserve Consumer Help Center Acknowledgement Inbox XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me To : XXXX From : Federal Reserve Consumer Help Subject : Federal Reserve XXXX Help Center Acknowledgement XX/XX/2021 Dear XXXX XXXX XXXX XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center ________________________ I sent my complaint regarding Citicard to the Federal Reserve and received the above email. It was regarding Citibank charging me {$82.00} in interest on an amount less than {$900.00} after I paid {$6500.00} on the card one-half way into my billing period. I don't believe the Average Daily Balance would have been nearly as much as that and they are refusing to adjust it. They want to put me on a " treatment '' or " program '' and turn off my charging privileges until I pay what I consider to be an inflated amount. They have informed me today that they have reduced my credit limit from {$7000.00} to {$970.00}. They are totally unwilling to work this issue out with me in a fair and reasonable manner. Needless to say, I won't be using their card in the future unless and until this is resolved. I don't remember ever being late with a payment but, if I was, I know I contacted them and explained any issue I may have had ( simply forgotten ) and fixed the problem immediately. I feel it is very unfair to me and my credit rating for them to take the steps they have. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO STOPS MY AUTOPAY WITHOUT NOTICE TO ME. THEN SINCE THE AUTOPAY AMOUNT OF {$350.00} REMAINED ON THE EXPIRING ACCOUNT, WELLS FARGO CHARGES ME 28.99 % INTEREST IN THE AMOUNT OF {$2700.00}. 

I took out a no interest if paid in full loan on a Wells Fargo Home Projects Credit card on XXXX XX/XX/XXXX. 
NO INT IF PD IN FULL W/PMT XX/XX/XXXX XX/XX/XXXX 28.99 % {$8500.00} The remaining balance on the Card as of XX/XX/XXXX was " Previous Balance {$3700.00} '' I had the card on Autopay and a payment was scheduled for {$350.00} that was going to clear on XX/XX/XXXX. So I paid the remaining balance, $ XXXX {$350.00} on XX/XX/XXXX. 
Payments - {$3300.00}. 
Wells Fargo, without notice to me, stopped my Autopay. They told me this happened because I made another payment on XX/XX/XXXX. 
Due to this unexpected change in my Autopay schedule, there was XXXX $ on my account when my loan expired on XX/XX/XXXX. Wells Fargo then charged me the full 28.99 % interest on the entire initial balance in the amount of Interest Charged + {$2700.00} New Balance {$3100.00} Credit Limit {$9800.00} Available Credit {$6600.00} Statement Closing Date XX/XX/XXXX I have called the Wells Fargo Customer service on XX/XX/XXXX. I explained the situation. They processed my autopay for {$350.00} and they told me that the account now has XXXX balance. 
It is XX/XX/XXXX today. The XXXX interest fee is on my account to this day. 

I believe this is an example of a predatory practice that must not be allowed by law. 
I had full faith that my account will have XXXX balance on XX/XX/XXXX as it should have been if the company had not stopped my autopay without notice.

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 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to Equifax on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXX XXXX XXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Equifax is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item with in 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Equifax is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To whom it may concern, XX/XX/XXXX I received notice that my Navient Department of Ed loans needed attention. I call to request a forbearance and was approved. I've always only talk to One representative to place forbearance on ALL of my loans. I received notice on XX/XX/XXXX that my request for forbearance had been approved and payments would resume in XXXX. Moving forward I received an alert on XX/XX/XXXX from my credit monitoring service saying that i had 11 missed payments on my report. I have the email correspondence that says that if they service any other federal loans that forbearance would be applied to those loans. It came to my attention after speaking to several representatives, they did not apply them to all of my loans which was an error on their end. I've tried on multiple occasions to get this matter resolved. I was told to write a letter and send any proof that i had which i did and they denied me due to their error. They absolutely refused to remove the negative hit on my credit report. I've had these loans for at least 15 years so why would i let something like this happen knowing the outcome would be negative accounts on my credit report? 
Thank You for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: CA

Complaint narrative:
I sent a letter to Experian on XX/XX/2021 regarding an inaccurate account and that the account is currently in litigation. The account I am referring to is XXXXXXXX XXXX XXXXXXXX. Here it is XX/XX/2021 and I have not received any response as to the accuracy of this account or that to the fact that this account is in litigation. I feel like Experian is taking advantage of me and they are ignoring my dispute. What I do know is that Section 611 ( a ) plainly states that a failure to investigate this item within 30 days they have to immediately remove those items from my credit report. This is causing me extreme emotional stress due to the fact that I am in the process of applying for a job in the financial industry and inaccurate information will jeopardize my chances of being hired. I demand this account be deleted immediately or I will file for litigation due to the stress Experian is causing me.

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 2021-04-04 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: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
i have paid First bank of omaha over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX XXXX XXXX and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 XXXX XXXXXXXX credit cards includeing XXXX XXXXXXXX and they have refused to report the drop in balance, also on XXXX XXXXXXXX XXXX payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am XXXX XXXX and feel i am being XXXX against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me

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 2021-04-04 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: LEXISNEXIS
State: TX

Complaint narrative:
I received a reinvestigation letter dated XX/XX/2021 response from LexisNexis case XXXX regarding incorrect address and the Bankruptcy, stating the information was VERIFIED. I had requested a Legal Method of Verification of DATA FURNISHER for the Bankruptcy, which I didn't received. I received a document response through Consumer Financial Protection Bureau on XX/XX/2021, from LEXISNEXIS that Ms. XXXX 's profile was REMOVED. But I keep getting letters in the mail from LEXISNEXIS stating all their investigations are all VERIFIED, I am not understating how the information was legally verified. Especially now when LexisNexis is inaccurately reporting information within their company of my records they have on file, from unverified sources, even when the courts stated they don't report any Bankruptcy files to any credit reporting agencies. I am including the documentation that was sent to me XX/XX/2021.

Company response to consumer: Closed with explanation