vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: AZ

Complaint narrative:
I XXXX the living man, has made claims to the unauthorized accounts on my credit consumer report, under 15 USC 1681 XXXX XXXX, has no permissible purpose, or written consent. to report anything on my report, the information they have investigated can not be factual according to 15 USC 1681 ( A ) ( E ), the investigative report have to be information from the actual consumer. In addition, to deletion of collection accounts XXXX has been investigated more than 30 days. This information must be deleted.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SELFi, Inc.
State: NV

Complaint narrative:
On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that XXXX XXXX was the company that ran the report. At XXXX, I called XXXX XXXX and informed them that I did not request a credit check. I was informed that XXXX XXXX of SELFi mortgage was the person who requested the credit check. His phone number is ( XXXX ) XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: IL

Complaint narrative:
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

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 2021-12-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

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 2021-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage

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 2021-12-01 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX ) This is a business account and should not be reported on my personal credit history XXXX ) The account was paid off and I requested the account to be shut down b/c the business is no longer operational XXXX ) The lender continued to accept payments ( de minimus ) even though the request to shut down the account was made and I was led to believe the account was no longer active XXXX ) The lender churned the account with late fees and interest charges AFTER the request to shut the account XXXX ) I paid the balance off yet AGAIN from my personal funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon CFPB, Can you help me get FREE mailed monthly transaction statements, as government regulations require? 

I have a pre-paid XXXX card via XXXX XXXX a division of Webster Bank. 

They offer online access, but to utilize that access they state if : " you otherwise fail to keep your identifying information confidential, you are responsible for any resulting transactions from your Eligible Accounts, XXXX XXXX XXXX XXXX My identifying information ( Name, Date of Birth, SSN ) is no longer confidential, as it has been leaked by many companies, including XXXX. 
And Social Security prohibits changing my number unless/until I experience serious financial loss. 

So I can't meet the requirement of keeping my identifying information confidential. And thus can't utilize online access. 

And, if I want paper mailed statements, I need to pay XXXX XXXX {$1.00} each month. 
XXXX XXXX XXXXXXXX My request ; can you ask they follow the law and provide FREE monthly statements? Note, I don't want to give up any of my other legal rights when accessing/receiving my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern I XXXX XXXX recently requested a debt validation from XXXX XXXX on this alleged debt on XX/XX/2021. In the responds from XXXX XXXX, they requested to verify my SSN number and where i received this loan location. In my original letter I sent them my last XXXX of my SSN number and the account number of this alleged debt provided by the credit bureaus. I do not have anymore information regarding this alleged debt.

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 2021-12-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2021 Dear Sir or Madam, I contacted Bank of America about this issue twice on XX/XX/2021. This called started at XXXX XXXX EST. The last agent I spoke with was XXXX Agent IDXXXX. He stated to me that although the XXXX and other companies such as XXXX and XXXX insta-payments are not valid even if it shows in the account on online banking. They only do business XXXX for instapayments. However, instapayment definition and Bank of Americas definition was not clearly stated in my contract. This needs to be clarified for all consumers. Additionally, there was another issue with a refund that has not been processed from XXXX for {$55.00}. Had it been processed the deposit would have never been an issue and my bill would have been paid. I am given promises and they are not fulfilled and the bank charges me fees, as well as cause issue with the credit card companies who payments are affected. Additionally, when asked to waive the fee, due to the misinformation/confusion coupled with the delay refund, it was denied. Additionally, I have a concern about someone calling the bank around XXXX XXXX and discussing my account information and asking for a refund. I did not make this call to bank of America either. I have contract concerns, as well as security concerns. Lastly, BOA executive department never followed up with me about my previous concerns. 

Sincerely, 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 2021-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage service my FHA loan, I purchased my home XXXX of 2015 for {$95000.00} putting down {$10000.00} balance of {$85000.00}! Never missed a payment or late! I have more than 20 percent equity and less than 80 percent of my mortgage left on my loan. Also if you're going to estimated my home value, please be fair as of today my home value is {$150000.00}! 

Their reasons for putting in XXXX- they said my debt ratio! Also credit me back when my loan reach {$76000.00}! My payoff is {$69000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Javitch Block filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of XXXX XXXX XXXX for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a full-time student barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking XXXX for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with Javitch Block but they are refusing to accept my offer of {$1300.00}. When trying to speak with the manager, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I sold my house and closed my loan on XX/XX/21. At that time, the property taxes were paid through escrow. When I received my escrow account refund, it was short by {$4400.00} because Shellpoint paid the property taxes on XX/XX/21 after the loan was closed. I have made numerous attempts to resolve the issue with Shellpoint and get the rest of my money back, but they are running me in circles. They will not make contact with XXXX XXXX XXXX XXXX to authorize the over payment be sent directly to me. They will not update me on the status of my request to receive my over payment, and whenever I call, they tell me my request is in process and I have to be patient. I have wasted hours trying to get the refund of my escrow account, and have made no progress whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TN

Complaint narrative:
I have contacted Equifax numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I was victimized by a moving company who charged my XXXX from Barclay Bank for {$8200.00} which was never authorized by me or my wife. I timely reported this fraud/dispute. Barclay then granted my dispute, then denied it and lastly denied it claiming I had not timely filed it. The allegation that my claim was not timely filed is false. I filed over the phone within minutes of discovering the fraud and in writing within 60 days. I would like the charge to be put back on my account plus interest and any other relief. Barclay 's advertises that fraudulent charges will not be paid. Plus, I informed them not to pay it BEFORE, they actually paid 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 explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX MACYS 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...

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 2021-12-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax XX/XX/XXXX, It is a violation to re-age a collection account and This account was paid and the creditor agreed to remove it from my credit report. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of 2019, Kohls put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from Kohl 's told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It just popped up on the other credit bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. I have several accounts opened with the information that was not opened by myself. I went to the police and was cleared of all these fraud accounts. I have the certified and notarized police report. Equifax refuses to block the ID theft accounts under 605B of the FCRA. Equifax tries to claim sections 607 and 611 of the FCRA but those sections are not ID theft sections. Only 605B is. Equifax needs to obey the law, 605B of the FCRA that gives Equifax no more than 4 business days to block these id thefts opened accounts now not later. It's been over 30 days since they broke the law. 
XXXX has my file locked to a manager by the name of XXXX XXXX. He has lied about the documents he has received from me. Lied about me. I recorded all conversations, he says 1 thing then lies about it later. 1 account is XXXX XXXX XXXX. It is in a different name than mine, an address I never lived in, my license predates the opening of this account, plus law enforcement cleared me of opening these accounts. Certified and notarized. Still, these credit-reporting agencies refuse to obey the law. This harm needs to end now by and through your agency, the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Someone used my debit card for a two XXXX and overcharged my 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 2021-12-01 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: FL

Complaint narrative:
Why you still posting these negative information on my account? I keep sending complaint to you about it! These accounts are not mine! They shouldn't be on my credit report! Im sure someone have my personal information

Company response to consumer: Closed with explanation