vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/21, {$10000.00} was taken out my account without authorization. pnc is the company .discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-31 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: GA

Complaint narrative:
EQUIFAX IS REPORTING FRAUDULENT AUTO LOANS ON MY REPORT. THEY WILL NOT REMOVE THE FRAUDULENT ACCOUNTS WHICH IS AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MD

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

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 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
While they did not state I was committing a crime, that was the most appropriate selection I was given. 

One Main Financial, XXXX XXXX XXXX XXXX, XXXX, Il has, on multiple occasions, stated that they will report my and others late payments at the end of the month, even when they are far under 30 days late. They use this as a scare tactic, stating that payment after the end of month will affect your credit. 

The latest incident occurred with XXXX on XX/XX/22. I informed her of the FCRA rules, and that the credit bureaus only report 30, 60, or 90+ lates ( as you can see next to every credit item or confirm with each bureau ). She stated it doesn't matter how many days, at the end of the month it affects your credit. When I informed her of this again, and asked her to look at the appropriate late boxes on a credit report, she chuckled and said she doesn't know because she doesn't make late payments. 

This is not the first time this has been said, nor the first employee from this location to say it. It appears to be a company policy, using it to scare customers into compliance. While there is no harm in saying they report lates at the end of the month ( as most companies do ), there is harm in telling customers incorrectly that it will hurt their credit even if they are less than 30 days late. This particular instance is a 15 day late they are threatening to report. 

While most interactions with them have been pleasant and helpful, this policy of teaching their employees incorrect information to scare customers is unacceptable. I want to emphasize I am not reporting against the employees, but the company whose policy they've been taught and told is truth. The employee is just doing her job ( other than the snarky comments... ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XXXX  to XX/XX/XXXX XXXX {$6700.00} $ XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX $ XX/XX/XXXX to XX/XX/5894 $ XX/XX/XXXX XX/XX/XXXX XXXX These are the dates of some of the withdrawals that I didn't make or authorize for.anyone to make. Please see attached photos..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XXXX I was contacted by Credit Collection Services regarding a past due bill owed to XXXX, I mailed a request for the original billing statement and received a health insurance claim form completed and signed on XX/XX/XXXX. I submitted this to XXXX XXXX XXXX and they paid the bill on XX/XX/XXXX. On XX/XX/XXXX I received an alert that this bill was added back to my credit report so I contacted XXXX and was told that they would contact the collection agency to close the account. 
On XX/XX/XXXX I filed a dispute with the 3 credit reporting agencies and the item remained on my report as a paid collection. I contacted Credit Collection services and was told that the only way it would be removed is if I paid them. I explained that my insurance paid the bill and it needed to be deleted but got nowhere. This item must be deleted from my credit report and credit collection services should face punitive action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}

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 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Under the FCRA, I request an investigation on the responsibility and the amount of this collection ( ENHANCED RECOVERY COMPANY ( XXXX : XXXX XXXX ) XXXX Opened : XXXX. XXXX, 2021 Balance {$990.00} ). It was already paid off to the original creditor. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I opened this loan back in XXXX  with borrowing only {$250000.00}. The home I bought then was {$300000.00}. My father gave me money to put down on the home which was {$45000.00}. I financed {$250000.00}. Today this company is saying I owe them more than what I borrowed from them. I have paid them many many many many many many many many YEARS of XXXX monthly. 
The original loan was with XXXX 
I trusted the local mortgage company sponsor to affirm a safe company to trust and do business with. 

Im a mother of XXXX children. The government has fed us and gave us medical coverage. 
Ive had this mortgage for XXXX Years and leaves at this same address for these XXXX  years. 
1.This company will not tell me my payoff amount. ( I have the house sold ) Im trying to pay them. 
2. This company wont give me my amortization. ( My entire payment history ) - for 6 Months I have been on them for this report. They say they will slug mail it and do not. This is the same answer they give me each time I call. The information of what I paid thru the entire XXXX years they will not turn over. 
3.with a divorce XXXX years. The home is now being sold and I noticed they charge me for insurance {$2000.00}. Its actually {$1000.00} a month. 

Im a single mom Just XXXX XXXXXXXX XXXXXXXX for XXXX years now. 
Im trying to sell the home as its not upside down anymore and this mortgage company wants my home. They want to sell it. 
They are making my task of paying them off impossible. Please help me Ill go on live news if needed. They have killed so many families with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-31 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in 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 non-monetary relief
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the American Express XXXX XXXX based on a specific offer that was sent to me for {$200.00} when I spend {$2000.00}. This was the only reason I got the card. I have never had the card before. I spent {$2000.00} on it. I just chatted a customer service rep, XXXX, ( XX/XX/2022 ) and he claims that I " denied '' the intro bonus, which is simply not true. I have never received ANY notice whatsoever that I would not get the bonus and I signed up specifically based on the bonus. I would never have used the card or agreed to it without this bonus. His " remedy '' is to submit a report that would take 6-8 weeks to resolve. This is an unacceptable remedy to this situation. I submitted a complaint with the XXXX XXXX XXXX and an American Express representative ( named XXXX ) did contact me but DID NOT offer any resolution and furthermore was rude. She claimed that because American Express included fine print in its agreements that give it the power to terminate any offer, it has the ability to exercise that at any time -- a WARNING to all customers seeking American Express credit cards that they can and will randomly NOT HONOR their agreements per their discretion. These actions seem fraudulent to me that a company would coerce consumers into agreements with promises of bonus offers then NOT HONOR such agreements solely because they claim not to have to based on the fine print in their contracts. BEWARE AMERICAN EXPRESS CREDIT CARD OFFERS. I will be escalating this further with the XXXX, CFPB, and the media.

Company response to consumer: Closed with monetary relief