vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have been working with a debt consolidation company and paid off a negotiated settlement with American Express and XXXX XXXX. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with 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 2021-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I am now on my second lease with Chrysler Capital for a XXXX XXXXXXXX XXXX. During this lease which started in 2018 on 4 seperate occasions they have credited a payment to the wrong account. They quickly take my payment and then when its not made to my correct account they immediatly report me for 30+ day late notice to the credit reporting agencies. This has happened 4 times, I then have to go through the troubles of faxing banking statement showing that my payment was made and its corrected on the back-end. However this time they did it im in the middle of my refinancing on my mortgage, my credit score went down 65 points and I was no longer eligible for the terms that I recently negotiatied. Additionally Im suppose to replace my car with another grand cherokee that would be finance by Chrysler Capital and not sure if ill be eligible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: DE

Complaint narrative:
I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
My complaint is with Stillman Law Firm in XXXX XXXX, Michigan. 
They are the lawfirm handling XXXX XXXX 's case against me. 
I contacted them three times in an attempt to settle/pay the debt I owe to XXXX. 
Twice via their automated online service and once via telephone. 
The only thing they have been able to do is verify the amount owed. They refuse to contact me regarding a settlement amount which was proposed and have indicated that my social security income is not exempt from any judgment and maybe garnished. 
Although I have a cease and desist letter on file, I granted them permission to contact me about a settlement and or payment instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-05-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: TX

Complaint narrative:
I spoke with Earnin through their chat feature since that's all they allow. I noticed they removed funds too early from my bank account, causing overdraft fees to my bank account. I notified them of this issue before the XX/XX/XXXX debit, and they assured me that it would not occur again. Earnin changed the due date, and I was sure Earnin resolved it. I rechecked the Earnin app before XX/XX/XXXX and noticed they had the date incorrect for withdrawal and had it set to 2 days before I am paid. I spoke with an agent and got nowhere, so I asked to speak with a supervisor who would not change my due date even though I explained that the bank does not deposit my funds while Earnin has chosen to debit my account. They informed me that I would have to wait until it happened again to change my withdrawal date. I was paid on XX/XX/XXXX at XXXX XXXX and checked my account to see its accrued fees because Earnin refused to change my due date. I chatted online with another representative on XX/XX/XXXX who changed my withdrawal date to 1 day before getting paid to ensure I did not receive any fees. I received a case number and was told this would not happen again and the change was permanent. I've checked the app again and now Earnin has my withdrawal set to the XXXX. I don't get paid until 2 days before my check at XXXX XXXX CST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just noticed that somebody has been stolen my identity. I want all these items removed my credit report immediately. I attached my FTC REPORT # XXXX According to FCRA Law, this agency was to remove and block the fraudulent accounts within 4 days of receiving my dispute letter, but over 45 days has passed and they still have not removed these items. that is a violation of my consumer rights. this company needs to remedy this violation with proper consideration that does not break the law. Also I feel like my privacy has been infringed upon by this agency sharing my bankruptcy details, this is a very private matter to me. Bankruptcy is nt a public record under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
America first credit union XXXX $ Already filed police report XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... NATIONAL CREDIT ADJUST XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to contact someone at your company to let you know that I mailed a letter to XXXX, Transunion, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, 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 2021-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
i was a victim of identity theft and i want these fraudulent charges off 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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
I had a checking account with Hancock Whitney bank, and it was closed around XX/XX/2020 with XXXX balance. However, I received a debt collection now, and they claim I owe {$62.00}. The reason, I guess, is that they reopened my checking later on without my permission, and kept charging me monthly fees due to a low balance. The worst is they forwarded this debt to a collection agent now. This is illegal and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 I prepaid a rental car reservation with XXXX XXXX rental for {$600.00}. This rental was to be picked up at XXXX, and it was for 7 days. I had responded to the the freeze crisis in Texas with XXXX Disaster Response Team. There was XXXX agents at the XXXX counter due to COVID and I was directed to the XXXX area to select my rental. After having the truck 5 days I submitted via a call to the XXXX Customer service number an extension as there was no end in sight for the the amount of work ahead of us. I was told by the agent that my rental could be extended, and I would be receiving an email and just needed to reply to it. I have rented over 35+ cars from XXXXt in the past 24 months even in the pandemic for business so I took her for her word. Never receiving an email, and not following up was my first mistake. I was then contacted on my personal cell phone by a repo man that was contracted by XXXX to HUNT ME DOWN! I explained sir, Im not going anywhere, I will get ahold of XXXX now and resolve. A call was made immediately to XXXX a supervisor was requested and I was denied and hung up on 3 separate times. At this time I sent an email requesting a manager, at which time I received a reply back 6 days later stating due to the issue with my account NO MANAGER OR SUPERVISOR WILL BE ASSISTING ME. The rental was taken back and subsequently many days later ( a week plus ) XX/XX/2021 XXXX charged my personal debit card {$4400.00}! I was on the floor, I tried again to speak with budget, was denied and was forced to file a dispute with BofA, who as of XX/XX/2021 has done zero to assist me and closed the dispute 4 separate times stating XXXX  can charge what ever they want for late rentals, and I CAN DO NOTHING about it. My card was never given to XXXX, I never authorized the transaction, I never agreed to $ XXXX/a day charge for my rental, I was never informed I was going to be charged this amount and the subsequent false fees that have been added and now blacklisted from XXXX XXXX after having spent over {$20000.00} with them the past 24 months. This has put my own work on the line, my credit, my livelihood etc. I am seeking council for the steep fees/lies/overcharging and out right disrespect from XXXX! Please help recoup my XXXX {$4400.00}. This is consumer fraud in the highest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a XXXX year old person on Social security and my checking account had low funds and when withdrawals were coming in and the bank paid they charged me {$36.00} per item. My complaint is two fold ... .a wrongful withdrawal of {$150.00} was withdrawn I called the creditor and corrected the situation because I had paid them some time ago and loan had been closed. The bank charged me {$36.00} again. The creditor refunded the money but not the bank as of this time. 
2 ... I currently owe {$310.00}. In bank fees. 
I am returning items to get credits to increase my account but if n no way will that pay off {$310.00}. 
{$36.00} fee is exorbitant!!!!!. There's no way the bank should be! making a profit off of myback. 
They will not waive any fees. 
This fee amount is so unfair to any customer and in this time of covid they have only hurt my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I mailed a payment on my Santander Bank mastercard. The statement balance was {$510.00} ; I mailed 2 checks ( XXXX & XXXX ) totalling {$510.00} on XX/XX/XXXX. The payment due date ( shown on 1st page of attachment ) was XX/XX/XXXX. 
On XX/XX/XXXX I received my new statement, reflecting a late fee of {$25.00} and an interest fee of {$9.00}. 
I went online to the Santander site to investigate. The current statement showed an ending date of XXXX and included the late & interest fees, charged on XXXX. ( 3 attached, highlighted pages marked as Exhibit 1 ). 
HOWEVER, when I changed view to the " since last statement '' tab, Santander clearly showed that my check payments had been received in their office on XX/XX/XXXX. ( pg. 2 of Exhibit 2, payment date highlighted ). 
I phoned customer service. I was told that while the payments had been received XXXX, it takes " a couple days to process '' payments, thus generating the XXXX late fees & interest. 
Customer service agreed to remove the late fee of {$25.00} ; I didn't realize at that time there was an additional {$9.00} interest fee charged. 
This is appalling. If the " real '' due date is " a few days '' prior to the date shown on my statement, that should be clearly communicated to cardholders. I understand the postal service has delays, which is why I posted the checks 7 days in advance. Santander Bank is not disputing they received the checks prior to the due date, but they assessed fees ANYWAY.

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