vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: MD

Complaint narrative:
Re : Certegy Check Services On XX/XX/21 my XXXX XXXX XXXX XXXX {$66.00} check was denied at XXXX XXXX XXXX - Store # XXXX, XXXX, Maryland. The info for XXXX is printed on the receipt, I tried to contact. I was asked for my SS #, bank routing #, back account #, other info. I did not provide these. All automated, no one to speak with. I was also asked if I wanted to make a payment. I tried their website, no help. Twice on line I was asked if I wanted a lawyer, for a fee. Looking in to the company, I found many who had experienced the same. Their website - www.askcertegy.com - XXXX - Certegy Check Services , Inc. XXXX XXXX XXXX XXXX , Fl XXXX XXXX-XXXX. I have tried several times to reach this company, on hold for over an hour- then disconnected. One site I reached was invalid. I have been shopping in these stores for many years, and now I am unable to write a check there. My credit score is very high, and I did bounce one check about 10 years ago, when I was changing banks. My fault - wrong check book. I feel this outfit is a scam, I would like to know what you find out. 
Thank you for your time, 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 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I been waiting for a resolution of a dispute or claim for months and months. I reported the issue in the right way but the bank employee got the wrong information. 
Finally last week I received the credit for months and months but even that, the bank did not refunded all the overdraft fees and also I was charged a extended overdraft fee that havent been refunded. 
I also requested the closure of my business account and the account still open.

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 2021-07-01 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: Portfolio Recovery Associates, LLC
State: TN

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 XXXXPORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX 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 2021-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
Well, I am a SMALL car dealer. I decided yesterday that I might want a car for myself. I had a trade in and some cash. I did a preapproval on a large dealers website. I gave them my personal information. The salesman calls and tells me that because I do not live in XXXX XXXX, Montana ( my business address is there ), that they will not finance me. Last time I checked you do not have to LIVE in the city where you purchase a vehicle, financed/leased or cash. He tells me to go to a credit union ... Really? So, after that happened I applied directly with Toyota Financial Services. They will not even give me a answer. They CLAIM on their website we have a program for the credit challenged. You just need a score of XXXX, and no late payments in 90 days. According to them my score was XXXX XXXX  maybe auto enhanced, then they pulled my credit from XXXX  yesterday, and still no answer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: WV

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: High Performance Capital
State: NV

Complaint narrative:
Good Morning, I am filing this complaint on High Performance Capital. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau XXXX and as well High Performance ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to XXXX that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted XXXX and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Signed po for a FREE Transunion account only to get charged for a monthly service. I DID NOT WANT THIS. According to many people on the internet, this happened to them too. Transunion does not tell you you are paying for something until it happens.

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 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I recently opened a checking account with Suntrust and I am awaiting a transfer with my previous institution. I recently acquired 7 overdraft fees posted to my account on XX/XX/XXXX. I am holding myself responsible for 1 acquired fee, although the remaining fees are inaccurate. I received fees after a merchant decided to charge for gas pump charges one week after the charge was made. Suntrust decided to charge me overdraft fees for every purchase made after that charge. Stating that the account was overcharged from that day although the overdraft was not reflected on my available balance nor charges showing the correct pending amount. The charging of fees for charges that where not posted nor pending on my account till the XXXX is absurd. I spoke with customer care in which a representative was able to remove four overdraft fees upon viewing the systematic mistake made.The representative did all that she could do on her end but could not remove any additional fees. I have then spoken with a overzealous manager who refuses to remove the remaining fees from my account. I am in need of getting the two remaining inaccurate overdraft fees removed. I would like to continue a relationship with suntrust comfortably I can not do so if they can not fix simple overdraft fee mistakes. I am hoping that I made the right decision to transfer my life saving into a truist 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 explanation
Consumer complaint received 2021-07-01 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: SC

Complaint narrative:
I'm filing a complaint against XXXX XXXX, and Experian because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX XXXX, and Experian. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate 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 2021-07-01 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:
fcra not mine : XXXX XXXX - Closed 2 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Secured Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have apply for XXXXXXXX XXXX XXXX for a XXXX, have been paying more than the minimum payment every month, without any late payments. Without any notification I was charged for the full interest rate on the card on XX/XX/20 in the amount of {$3200.00}, interest rate was charged at once NOT on the balance ( {$5900.00} ) but on the total charge when applied for it {$11000.00}. I try to call to negotiate the charge, to explain that I did not receive notification that I was going to be charged for all the interest rate at once. They did not offer any agreement to reduce or remove the interest charge. This credit card is misleading the customers and it is a completely ripoff. My balance on the card went from {$5900.00} to {$9400.00} without notice that the full interest rate was going to be charged at once on the initial charge, not on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: PA

Complaint narrative:
I had a forgotten urgent care ( XXXX XXXX  ) account fall into the hands of Receivables Management Systems ( RMS ) in XXXX, VA. Since RMS was only contracted to collect on the debt, I reached out to the original creditor to pay the balance in XXXX of XXXX. XXXX XXXX at XXXX XXXX confirmed that they would reach out to RMS and have them delete the item ( as a pay for delete ) from my credit report, which they did shortly after, until last month.

RMS elected to add the item back to my credit report as an OPEN account ( despite being paid in full ) in XXXX of XXXX. Despite reaching out to RMS through multiple avenues, they refuse to remove the item as promised by XXXX at XXXX XXXX. This coincidentally aligns with my attempts at securing a home loan to purchase my first property. It seems like very weird timing for them to suddenly decide to add a paid collection back to my report despite removing it a year prior.Any assistance by the teams at CFPB would be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During the summer of 2020 I was experiencing a temporary shortfall of cash due to Covid-19 related shutdowns. I took out the following cash advances on my Chase credit card at a Chase branch bank : XX/XX/XXXX - {$500.00}, XX/XX/XXXX - {$1500.00}, XX/XX/XXXX - {$1500.00}. I was told at the time by the branch teller that if I paid it off right away that I would avoid the interest. I paid {$2000.00} of on XX/XX/XXXX and an additional {$1500.00} on XX/XX/XXXX. They did not apply any of that money to the high interest cash advance. I tried to resolve it through Chase Credit Card Customer Service twice. The last time I spoke to supervisor XXXX XXXX and was informed that I paid it too early - it had not registered in the system yet despite the fact that I was given contrary information from the teller. She informed me there was nothing she could do. I have paid approximately {$600.00} in cash advance fees - because I tried to do the responsible thing, in the height of COVID-19 economic crisis. 

I have attached a record of the advances, the interest paid on the advances and the payments I made to pay them off. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As for Thursday XX/XX/2021 XXXX XXXX  I try to deposit my check at the ATM of Bank of America XXXX XXXX XXXX, XXXX, TX XXXX and the ATM ate my check I called Bank of America and file a claim they said I wouldnt see funds in 3 business days I need my check deposit for next day to pay rent they said it might take up 2 weeks for the investigation a couple of days ago this atm machine was not working at all, this particular location always haves atm problem. the check was or is for 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 monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing an account this is impacting my credit score because XXXX and TransUnion are reporting incorrectly. I have sent them 4 letters, XXXX, XXXX, XXXX, and XXXX of 2021. I have yet to receive a response. 
This account was settled and paid and both Transunion and XXXX are still reporting it derogatory, which is an FCRA violation There are many conflicting reporting errors, they have not verified this account at all.

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 2021-07-01 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: World Acceptance Corporation
State: NC

Complaint narrative:
I AM XXXX XXXX and this is not an unauthorized third party!! XXXX furnished false and misleading collection accounts on my consumer report. I first noticed them on XX/XX/2021, I immediately called the collection account companies to dispute the accounts by asking why they were reporting to my consumer report. The agent from the collection company gave me the name of owner of the account with the last 4 digits of the social security number. The account belonged to my father XXXX XXXX XXXX who has been deceased for 2 years. I gave them my social security number and they said that they never reported any information to XXXX  and i needed to dispute the account with them. I disputed the account with XXXX and they deleted the fraud account immediately because they had irresponsibly placed it there at my expense! I am a federally protected consumer and I have been violated pursuant 15 United States Code 1681e ( b ) and 15 United States Code 1681b ( 2 ). According to 15 United States Code 1681n civilly liable for damages to the consumer. Because of this false and misleading reporting, I sustained injury by being turned down for credit approvals and I paid higher interest rates on all consumer credit transaction post collections reporting by consumer reporting agency. I will begin litigation if i'm not compensated for my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX XXXXXXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony was calling me non stop about my late payments. They asked me why I had not made a payment. I told them that I have been receiving bills late, possibly due to delays at the post office. I also explained that I was having problems with the APP ( See Attached ). The problem with the APP is that it logins in through paypal and sometimes it does not load the LInk to pay your balance and was unable to pay.

I told the agent I would bring the account current if they agreed to waive TWO Late. The agent put me on hold to check my account and agreed to the terms.

I called Paypal back and they advised that they would not do it.

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 2021-07-01 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
{$1200.00} from Macys Account opened on XX/XX/XXXX The company closed the account and advised I should report here too.

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 2021-07-01 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: SC

Complaint narrative:
I'm filing a complaint against XXXX TransUnion, and XXXX because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX, TransUnion, and XXXX. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate 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 explanation
Consumer complaint received 2021-07-01 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: SC

Complaint narrative:
I'm filing a complaint against Equifax, XXXX and XXXX because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from Equifax, XXXX, and XXXX. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate information.

Company response to consumer: Closed with explanation