vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.

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 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was attempting to dispute something on my credit score with TransUnion. I was required to create an account to access this feature and was charged {$26.00}, plus signed up for a monthly subscription service when I created my account. The website is intentionally misleading. They didn't show me that I would be charged for anything before creating the account.

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 2021-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I am a retired XXXX  on a fixed income, and to put it bluntly, LoanCare LLC has on two separate occasions attempted to steal money from me through their systemic process of ignoring my wishes regarding how to allocate additional principal payments to my account. 
As it relates to mortgages, it is always to the benefit of the borrower to have the lowest principal balance possible, while it is to the benefit of the lender to keep that principal balance as high as possible. 
LoanCare as a matter of policy, procedure and practice has twice ignored my principal payment allocation directives to my detriment and to their benefit. 
In XX/XX/2020, I made an additional payment of {$10000.00} to LoanCare LLC. I sent the check, along with a letter directing them to use the funds for payment of principal ONLY. I told them that the funds were not to be used for any other purpose, including interest payments, advanced monthly payments, escrow or other costs and fees. They ignored my directions and improperly allocated the money to future payments and used a considerable portion of the funds toward interest and escrow payments, thereby deliberately reducing the amount of funds that could be used to reduce my principal balance. 
THEY DEFIED MY DIRECT REQUEST, BREACHING THEIR FIDUCIARY DUTY. THEIR ACTIONS WERE CLEARLY TO THEIR BENEFIT AND TO MY DETRIMENT. 
I had to call their customer service department to get their actions reversed and to get the total amount of my payment credited toward principal as I had directed. 
In XXXX of 2020, I sent in another additional payment XXXX {$5000.00} XXXX which was to be credited toward principal only. I have attached a copy of the check along with my letter of direction. I made it very clear, in no uncertain terms, what I wanted them to do with the funds, and what legal steps I would take if the ignored my wishes for a second time. They completely ignored my direction and once again made advanced payments with a large portion of the funds. Once again, they consciously acted to my detriment and to their benefit. A clear violation of their fiduciary duty. In addition, it is very possible, given their defiance of my clear directives, and the pattern of such behavior, that they have committed criminal acts as well.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is XXXX, as I was affected by a XXXX XXXX XXXX when I applied for a credit card back in XXXX. Second, XXXX XXXX XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the Equifax XXXX XXXX that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX XXXX XXXX XXXX XXXX has XXXX informed to a XXXX XXXX with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX XXXX card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the Equifax XXXX XXXX and the XXXX XXXX XXXX from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX and XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the Equifax Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims XXXX from the Equifax Class Action Settlement. I am seeking punitive damages due to the inaccuracy of XXXX ) invalid, not applicable denial reasons that do not apply to my credit history since these XXXX data breaches still have NOT BE RESOLVED of an unspecified amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Got a sams club creditcard. My credit score is XXXX. But according to the sams club report my credit score was XXXX. So my interest rates and fees etc for the creditcard is not correct now either. I dont know what to do now

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 2021-01-03 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view 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 2021-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: WA

Complaint narrative:
Credit Karma is refusing to return my savings account funds because I refuse to turn off my VPN to log into their site and can not gain access to their site without doing so. I refuse to turn off my VPN just to log in. I will not turn off my security measures on my network just to access their site and they will not return my funds otherwise. Their reasoning is and I quote, " For security purposes i'm not allow to move funds from your Credit Karma Savings account to your external account, that is a personal process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX XXXX., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution.XXXX, XXXX, and TransUnion reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

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 2021-01-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX XXXX XXXX XXXX. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX. with no successful resolution.XXXX, Equifax, and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/2021, I received an unsolicited usbankreliacard debit card. Looking online, it appears it is unemployement compensation. I tried calling the number on the card, but they do not answer. I submitted a fraud form to the bank via email ; however I am concerned the bank will not notify the state ( unidentified ) that is paying out the unemployment claims. 

As a taxpayer, this kind of fraud is disgusting. I want you to know how easy it is to scam state governments! Please help the USA and its taxpayers from this 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 non-monetary relief
Consumer complaint received 2021-01-03 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: OH

Complaint narrative:
Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, TransUnion, XXXX ) with very little success. 


XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.

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 2021-01-03 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: OH

Complaint narrative:
Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, XXXX, Experian ) with very little success. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.

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 2021-01-03 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: MD

Complaint narrative:
I sent a dispute to experian in XXXX about an account that is charged off but still is reporting late payments on my account. I sent a dispute challenging the account all together because I have no knowledge of the account. I have yet to hear anything and its been over 30 days

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 2021-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one credit card is current with all on time payments BUT the payments of XXXX XXXX, XXXX and XX/XX/2019 are reported late INCORRECTLY. I suggest and request capital one to remove these late payments. 
If this reaches to the correct department please listen to the recorded call in XX/XX/2019 on which your representative set me on automated payments and enrolled me in a program which i followed. 
Please dont put me on a mistake which your repetitive made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: OH

Complaint narrative:
Hello, I have sent out multiple dispute letters to the 3 bureaus ( Equifax, XXXX, XXXX  ) with very little success. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: NJ

Complaint narrative:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

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 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I cosigned for an auto loan with M & T Bank with my brother XXXX XXXX. After he got his statement in the mail, he called in to set up auto bill pay. After that, they did not send any confirmation about scheduled payments so we thought we were all set. A few weeks later, I got a call that the account was past due. My brother called in to make a payment over the phone, they told him the auto payment was having issues because of XXXX. So, my brother made a payment using Routing/Acct # over the phone. He then called XXXX and they said there were no issues on their end as far as auto bill pay goes. Then, weeks later, I got a notice from XXXX XXXX that my score went down due to a late payment on the account. At this point, no payment had posted. The customer service told us the autopay had failed and the phone payment failed and told us to contact XXXX again. They claimed the issue was not on their end. At this point, both myself and my brother had our credit scores drop substantially. That Monday, my brother made a cash payment of {$1000.00} at the branch. A month later, for the next payment, he called in and tried making a phone payment with Account and Routing # 's and once again it did not post. According to the statement from M & T mailed to us, the payments posted but then there was something called a " Payment Reversal. '' I went online to try to pay the bill that way. I created an online portal for M & T and then when I tried to pay the bill, it told me I needed a M & T Bank checking account in order to do online bill pay. I went ahead and created one, but then my only option for transferring funds to it was to make a deposit at a branch or do a debit card deposit which had a limit of {$250.00}. There was no way to transfer funds from one account to the other. This means, my only option would be to deposit a check or cash in person at the branch. In essence, M & T Bank forces you to open a whole new checking account with them to make payments. I looked online and on Consumer Affairs there are many people with the same story as me. M & T Bank purposefully makes it nearly impossible to make payments unless you have a Checking account with them. Even if you do have one, you can only add funds through a branch deposit or debit card with a {$250.00} limit. I strongly believe M & T Bank lied to us about the payments not going through and it was done on purpose to force us into opening another account with them. This led us to ultimately refinancing, however my credit score is now in the low 600 's so I had to have someone else cosign for my brother. M & T Bank did not process our payments correctly numerous times, and now my brother and I have bad credit.

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 2021-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

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 2021-01-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The account from XXXX XXXX XXXX w/ a balance of XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {$5300.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {$4200.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {$5300.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {$3400.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full ... even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation