vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted several times the Credit Bureaus XXXX XXXX, and Equifax asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, Equifax {$1000.00}, XXXX  {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. Equifax, XXXX, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. I request them to remove it from my credit report immediately. I also Filed a Identity Theft Report Thank you, Look forward for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I purchased something online with my debit card on XX/XX/2021. After i realized it may have been a scam I reached out to the merchant via the email that was provided and got no response. At that point I placed a claim with my bank BOA and they placed the XXXX back in my account. After repeated attempts to contact the merchant i gave up. The bank went into my account and removed the funds they put back and sent a resolution that I received the item which I had not. I asked them how was it possible for them to get in touch with the merchant when I had tried numerous time with no results. They sent me a USPS Tracking sheet that clearly looks like a counterfeit copy which states the item was delivered XXXX XXXX  at the front door or porch with the address of XXXX, NJ XXXX ( NO PHYSICAL ADDRESS ) how is this even possible I have been home everyday because I work from home and my dog would bark if anyone rang my bell. I live in an apartment complex and no one ever takes packages in my development. This item was never delivered and this was a scam. The bank fails to acknowledge that the package was never delivered to me at anytime. I order from XXXX all the time and have never had a problem with packages and they take a picture of it in front of the building and send it to you so you know it's there and ring your doorbell.

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 2021-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I sent {$100.00} to XXXX XXXX. He ever received it. I checked and the money was sent to XXXX XXXX as XXXX XXXX. The money went to her. I tried to contact her to send it back. No answer. I filed a dispute with Chime Bank. After 2 weeks they said the case was closed, no error. The money was sent in error. I should get a refund. I filed a timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :

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 2021-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have written Citibank twice. They say that they have reported correctly, however it appears they misunderstand what the actual problem is. I do not dispute late payments prior to XX/XX/XXXX. They acknowledge correctly that my last payment Was for {$2700.00} back in XXXX of XXXX and that there is currently a XXXX balance. The account was closed at that time and there has been no activity on it. However around XXXX of XXXX all of a sudden they begin to report that there were late payments for several months in XXXX and XXXX. How could this be since my last payment was in XX/XX/XXXX and the balance is still at XXXX? They consistently do not respond to my inquiries regarding specific information of balances and proof of any late payments in XXXX or XXXX. This is because they have no such information because that account has been closed for the last 4 years. Apparently there is an error somewhere either on their end or perhaps a credit bureau has some mix up of accounts but this matter has negatively affected my ability to get a conventional mortgage loan. Please Have someone to trace details and source of any such balances or late payments in XXXX and XXXX to find out the source of the error ; and as I'm certain that no information can be found, I requested that those erroneous entries be removed from my record so that it shows that there was absolutely no activity for that account since it was closed back in XX/XX/XXXX. Your assistance would be very very much appreciated.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
My XXXX XXXX Credit card ( issued by Popular Credit Services ) charged an annual fee of {$140.00} on XX/XX/2021. Due to the COVID travel restriction, I have not had the chance to travel in the past year and never once get to use the card so I decided to cancel the card. I cancelled the card within 30 days ( cancelled on XX/XX/2021 ) after the Annual Fee was posted to my account, but was informed that I still need to pay for the fee even after the card was cancelled! Tried to work it out with the reprehensive over the phone but they refuse to listen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: GA

Complaint narrative:
American Accounts & Advisors resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted American Accounts, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

American Accounts responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by American Accounts bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet American Accounts continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to American Accounts by phone and left a message for XXXX XXXX and have yet to receive a response. I am trying to purchase a home and this item is negatively affecting my credit report. American Accounts ' policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TX

Complaint narrative:
Equafax has inaccurate account information that doesn't belong to me, and addresses, and phone numbers??

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Hi there. I would like to issue a complaint against OneMain Financial. I have been a customer with OneMain for 2 years and have always remained in good standing. I was unemployed for a short time, and contacted OneMain to inform them of my employment status and that I would be late on 2-3 payments as I had to wait for my assistance, but they would in turn receive their payments. Since, I have received 5-10 calls a day harassing me about when I can make payment. As someone who is literally having to claw their way out of debts related to the pandemic, this is quite disturbing. I have had to block multiple numbers that are attempts by OneMain to collect my debt when I am just late on my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
We are purchasing a home from XXXX who is using Caliber Mortgage to service the loan. At this point we have been in the process for 4 months. This is a VA loan and my husband is the veteran. Essentially they have had our finances as a XXXX  and us because we can not do anything. We have signed so many closing disclosures that I can't keep count. They can not get our down payment straight and have jerked us around and all over the place. XXXX underwriters have done everything that they can to help us. Caliber underwriters have kept us from closing for months now. It seems they don't want to close the loan. Luckily XXXX has allowed us to live in the house so we aren't homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Walwick, Inc
State: WA

Complaint narrative:
Merchants Credit Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this concerns, I recently applied for a Home Mortgage and in doing so received a copy of my Credit Report. Contained in that report were certain accounts that I disputed with all three of the Consumer Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. Here Im speaking specifically to the information being reported as : account # XXXX. 

Where in the XXXX  Investigation Results youll see that the account now reads : THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. This letter speaks directly to these features as theyre currently appearing in this, along with other, credit reports. 

Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 

Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; Here I require Merchants Credit to produce and provide the evidence of this Updated information. Along with, and in comparison to, the information provided in the Credit Report furnished by XXXX XXXX & XXXX XXXX to XXXX XXXX XXXX and delivered to my Mortgage Lender, XXXX XXXX. ( See copies ). Clearly Merchants Credit verified this new information to the satisfaction of XXXX. Here I require that you Verify this altered and adjusted information to and for me, the Consumer, as well. As they are clearly not equal to the original information as provided to my Mortgage Lender. 

These certainly are not inconsequential Updates as they clearly describe the consumers liability in their Status Date & Balance Date along with Additional Information status. Failure to respond according to this request will result in my turning my attention away from the Consumer Credit Reporting Agencies. Directing it to the Washington State Department of Licensing. Who Im assured will do a Complete & Comprehensive Review of your failure to perform under the Federal & State Laws where and how they are applicable. 

Regards, XXXX XXXX XXXX XXXX CC : File WA DOL CFPB FTC

Company response to consumer: Untimely response
Consumer complaint received 2021-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Throughout the years One Main Financial has been deceptive and misleading regarding a personal loan that I took out. They have predatory unethical lending tactics encouraging the account to go past due before a reduced payment can be set. This causes unnecessary late fees, high interest and the result of creating a new loan agreement. Anytime that my loan had been modified they created a new account and credit line. They also promise to clean up derogatory remarks which they also lied about. I submitted a credit bureau dispute advising duplicate history accounts that needed to be remove. My current balance of fees is {$3400.00} showing the loan balance as {$11000.00}. However, I never took out a loan for this amount. After being laid off in XXXX I utilized my layoff protection insurance which they only paid for 3 or 4 months. This is a upsell service they highly recommend for all loans but is deceptive. I was briefly a partime seasonal postal carrier for one month and it did not work out. One Main Financial kicked me off of the unemployment benefits although my unemployment benefits through the State of Colorado was reestablish right away. I had limited income to pay all of my bills which One Main Financial took advantage of. I also took a significant paycut once I found a fulltime employer. I requested numerous times to adjust my due date due to my pay period which they refused. It became a standing joke to them as " the due date '' which I did not find funny, lacked empathy and was unprofessional. I transitioned to my current employer in XXXX of XXXX in significant past due debt. Keep in mind that every time I was given a reduced payment the new amount increased astronomically unaffordable. I have misplaced my notebook and wanted to submit my complaint on record. But around the fall of XXXX a woman who identified as a supervisor reached out offering an affordable payment. She empathized that my account would be cleaned up and would get my account back on track. I also questioned why my balance was drastically higher. Which I was informed that rest assured all would be resolved and I was coerced to reply to an payment agreement sent by email otherwise subtle threats to pursue legal action. I have been paying diligently however I am disputing the balance remaining on this loan. I requested past statement history indicating the original loan amount but was sent to me was internal data. It doesn't even display an principle balance and fee section separate since it all has been combined together. I truly feel what is left over are significant penalty interest charges and late fees that they encouraged me to not pay and was the " only way I could get assistance ''. Please close out this account as satisfied and provide a paid in full satisfaction letter for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: PA

Complaint narrative:
I closed account immediately because they refuse to give me credit after taking my money for a secure account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
The Escrow Department for LOANCARE , LLC did an escrow analysis. They stated my XXXX County Maryland taxes were paid 4 times a year. They read the bill wrong. They kept telling me that my tax bill doubled but the XXXX County Treasury office confirmed that the taxes are only paid in two installments. I called LOANCARE today and the representative stated this was an error. With this erroneous analysis, they stated my mortgage payment would be an additional {$500.00} dollars. This was outrageous. The County confirmed it never doubled. I provided proof. ( see attachment ) On today XX/XX/XXXX, the representative saw it was entered into LOANCAREs system four times a year by error. The reps supervisor confirmed that it was an error. She put a request to have another analysis done and it should be fixed by XX/XX/XXXX. I should expect a new analysis delivered to me. If this does not happen, I will be submitting everything to my attorneys office for litigation. 

My account was also reported over 120 days late as of XX/XX/2021 on my credit report. This is inaccurate. My loan was transferred to XXXX/LOANCARE servicing in XXXX while it was still in a CARES ACT forbearance. ( see attachment ) Federal Law states there is a two month period of no negative credit reporting or fees accessed while a mortgage loan has been transferred to a new mortgage servicer. While still in the transfer period, my loan remained in forbearance while LOANCARE processed a loan modification. The modification documents show that my first payment is due XX/XX/XXXX. ( see attachment ) My credit report should have never been reported late. Again, it shows that I am over 120 days late. This is current data reported as of XX/XX/XXXX. LOANCARE has damaged my credit with this. They have broken the law.

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On Friday, XX/XX/2021, I wanted to see if I prequalifed for a XXXXXXXX XXXX XXXXXXXX credit card. I clicked on the link for " see if you prequalify/ Get a decision in seconds with no impact on your credit score. '' It took me to page that says " See if you prequalify for a XXXXXXXX XXXX XXXXXXXX credit card! '' with a bullet that says " Prequalifying does not affect your credit score. '' So I inputted the last four digits of my social security number and phone number as requested.

What I did not notice is that the link sent to my phone said " only click the link below to complete your credit application. '' And then the application I was filling out was actually for the real credit card application, NOT the prequalification application. I called the customer service line and they said that I had filled out the real credit card application and that it will impact my credit score. I was denied the credit card and there is nothing they can do.

This process has been so frustrating and misleading. I was assured by the messages on the website that this would not impact my credit score and now it will. Synchrony is the company that handles the XXXXXXXX XXXX XXXXXXXX credit card application.

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