vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
I have 3 inacurate accounts reporting that need to be investigated and deleted, 2 lates and one account that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Due to the pandemic my XXXX XXXX  membership was no longer open for business. I physically went into XXXX XXXX  and canceled my account and also insisted that they notated my account as closed. I have not used the facilities and moved out of state. I have received a collection notice from a law office requesting {$360.00} and collection for a XXXX XXXX. Acct : XXXX. Upon closing my account, there was no past due nor upcoming bills to be in-cured. Please stop this fraudulent attempt to collect debt. I am a XXXX veteran and I feel taken advantage of at this point. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The following purchases were made on my Capital One credit card : XX/XX/XXXX {$7.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$5.00} Balance due XX/XX/XXXX {$89.00} Payments and credits to the account XX/XX/XXXX - {$7.00} credit XX/XX/XXXX - {$4.00} credit XX/XX/XXXX - {$59.00} credit XX/XX/XXXX - {$17.00} online payment balance on XX/XX/XXXX {$0.00} XX/XX/XXXX late fee {$25.00} When I called to complain, the explanation from Capital One is that because I didn't make the accounts minimum payment of {$25.00} I was charged the late fee. I couldn't make them understand that making a {$25.00} payment on an account that had a {$17.00} balance didn't make any sense. As a one time courtesy they agreed to credit me back the {$25.00} late fee. My concern is when and if it happens again I won't be eligible for the one time courtesy credit. How many other people is Capital One ripping off with this bogus fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have tried disputing a delinquent account that is showing on my credit report twice. The dispute was denied. This is something that is really affecting my life, as it made my credit report decrease by XXXX points.

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 2022-03-14 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
CREDIT COLLECTION SERV Account XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is still showing as a collection. It shows as paid but needs to be removed from the collections section on my XXXX credit report only. I have spoken to them and they have told me they don't remove it which i'm fine with, but it needs to be moved out of the collections part and into the part that shows paid with other collections that have been paid but not fully removed if that makes sense. I don't think they understand this part and every time I call I get met with hostility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
After receiving my consumer report from Experian, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Experian is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Experian willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Experian is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC 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 2022-03-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I took out a personal loan of {$4000.00} to pay off some bills. I have been a customer of USAA Bank XXXX XXXX XXXX. XXXX XXXX, TX XXXX for over 10 years. They gave me a interest rate of 11.99 %. The following are transactions since acquiring the loan. I'm making extra payments on the principal to reduce the amount of interest charged. There is no penalty for paying off the loan early. I noticed that instead of reducing the amount of interest charged it's increasing the amount of interest with each payment. Paying more interest on a decreasing principle doesn't make any sense. 

Date Description Amount Principal Balance XX/XX/XXXX PRINCIPAL {$79.00} {$3400.00} XX/XX/XXXX INTEREST * {$60.00} {$3400.00} XX/XX/XXXX PRINCIPAL {$140.00} {$3500.00} XX/XX/XXXX PRINCIPAL {$96.00} {$3600.00} XX/XX/XXXX INTEREST * {$43.00} {$3600.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3700.00} XX/XX/XXXX INTEREST * {$34.00} {$3700.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3800.00} XX/XX/XXXX INTEREST * {$30.00} {$3800.00} XX/XX/XXXX PRINCIPAL {$4000.00} {$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bought out my leased vehicle last year and the dealership that I went through XXXX of XXXX XXXX used capital one banking for the loan. Neither the XXXX dealership or Capital one bank ever mentioned setting up any form of payment so to my knowledge my payments were still on auto pay through the dealer as I was never informed otherwise. I have like I said never received any form of contact by the bank either by mail, email, phonecall, not even a welcome letter. Fast forward I Come to find out I was 50 days past my payment due date and only found out because I received a credit report saying so. Mind you Capital One has yet to contact me. Nor the dealership even after 50 days of being late.. To my knowledge my payments were being paid automatically. I Immediately paid the total fees upon finding out and filed a dispute with Captial one sending them two letters and a fax addressing the issue a little over a month ago and still haven't heard from them. This is complete negligence. Pure unprofessional malicious Neglect. This company should be held accountable. I even filmed the entire conversation with XXXX when I bought the car and was only told when my first payment was due nothing else. No setting up of payments or anything. No contact even as of now from either the bank or the dealer. Am I missing something here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: FL

Complaint narrative:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is XXXX an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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: CA

Complaint narrative:
Fraudulent inquires and inaccurate account information

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 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Credit Management LP open a claim on my credit report FOR {$110.00} I repeatedly contacted the originator of the account letting them know that this inaccurate it`s not mine. my credit has taken a hug hit because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
please stop reporting fraudulent information on my credit. XXXX is reporting an account that I never opened nor authorized anyone to open on my behalf. I have no knowledge of what this account is and I am requesting the immediate removal of this taccount from my credit. Please see attached the Identity Theft report and my Driver License.

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 2022-03-14 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My husband and I have been customers of American Express for a decade or so. After making on-time payments for years, in the late summer/early fall of XXXX, I shorted a payment by {$15.00} on accident. Seeing the error I quickly made the payment so the account would not reflect as past due. Little did I know that {$15.00} missed payment would trigger penalty based pricing and nearly double our interest rate. 

My husband ( XXXX ) contact American Express on approximately XX/XX/XXXX for a separate matter and was advised that our interest rate was an incredibly high 29.24 %. We were shocked to find out that our rate went from a variable rate of 17.24 % to 29.24 % because of a {$15.00} discrepancy in payment in XXXX. Looking back through statements, I finally found the notice indicating the increase in rate, but it was in small print and not easily located. When my husband inquired of the American Express representative on how we could return to our regular contract rate, the representative was quick to offer to have it changed back for the next statement cycle and advised him that if we had called earlier, they would have taken it off at our request. 

The fact that American Express has no guidelines on when a customer 's penalty pricing will be removed is unfair and disparate treatment. All of their customers are not being treated consistently. Most credit card companies I know will return a customer to regular pricing after six months of consecutive on time full monthly payments, but penalty pricing would have continued indefinitely had we not contacted American Express regarding a completely different issue. How can a credit card company get away with such treatment of their customers? We are not wealthy by any means and the increased APR caused our payment to go up nearly {$120.00} per month. {$120.00} during the covid pandemic that could have put food on the table for our children, helped provide for tutoring for our struggling XXXX  aged XXXX learning virtually, or allowed for us to live with some peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
Fraudulent inquires and inaccurate account information

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 2022-03-14 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: CA

Complaint narrative:
Fraudulent inquires and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent my information to Experian XXXX and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.

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 2022-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I have called the bank several times, i went into the bank. I thought it was cleared up until I got this letter OF DEPOSIT : AMOUNT OF ITEM : CHECK NUMBER : XX/XX/XXXX XXXX At TD Bank we are committed to protecting your accounts. We are writing to let you know we have delayed availability of funds from your deposit as account information indicates that the check may not be pald. 
Although we try our best to make sure your funds are available as soon as possible, sometimes we need to hold on a deposit ( s ). Rest assured, your funds will be available no later than six business days after the dep made, unless we are notified of a returned check. 
If you did not receive a delayed availability notice at the time of the deposit and your check was paid, we will any overdraft or returned check fees as a result of the additional delay in the avallability of your funds. To ob refund of any fees incurred if the deposited check has been pald, please contact your local TD Bank. 
We are here for you We are sorry for the inconvenience, and appreciate your patience. If you have any questions, please call us anytime at XXXX Sincerely, TD Bank Fraud Operations My tenant has paid me since the fall of XXXX no problems. In XXXX TD held the check from XX/XX/XXXX until XX/XX/XXXX. Even though my check was cleared through the tenants account on XX/XX/XXXX and I had enough to cover the check in my account. 
In XXXX the tenants check was put on hold again. We went into the branch and they lifted the hold and then today we got this letter. Once again cleared in tenants account and we have plenty to cover the check. This is abuse of their power and control.

Company response to consumer: Closed with non-monetary relief