vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
As of XX/XX/2021, Experian and XXXX  are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
An inquiry from JPMCB Card was made on XX/XX/2019 and I did not authorized this inquiry nor do I have a credit card and/or loan with JPMCB Card. I have contacted the creditor to have this inquiry removed but they won't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TX

Complaint narrative:
Transunion is reporting a closed charged-off account as an open account with late payment history from XXXX XXXX. This account is inaccurately being reported and per FCRA, must be deleted from my report immediately.

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our mortgage with Truist ( XXXX XXXX XXXX XXXX ) should have been paid in full with our XX/XX/2021 auto draft payment of {$2100.00}, this would have included outstanding principal ( {$2000.00} ), interest ( {$6.00} ), and the {$16.00} fee to close the account. The payment was not taken. I called and spoke to XXXX ID # XXXX. He informed me that because the account balance fell below the outstanding principal amount that my account was placed on hold by XXXX XXXX and would not be lifted until XX/XX/XXXX. He told me no payment could be made to the account during this hold time. I told him I was concerned that they were putting my account on hold, not letting me pay the loan off and would then charge me interest and late fees. He repeatedly assured me that no fees or interest would be charged during the hold period. He told me I could call back on XX/XX/XXXX and they could process the payment at that time. I called back today, XX/XX/XXXX and spoke to XXXX and then the XXXX XXXX, a customer service team coach. They informed me the new payoff would include interest for the past week. They mentioned there were no notes by XXXX that there would be no interest or fees. XXXX said there was no such hold not he account and that they were not empowered to waive any interest or fees. She said both she and XXXX would provide feedback to XXXX ' supervisor. I mentioned that this is fraudulent and predatory - they stopped my automatic payment ( their disclosures stated I would have to stop the automatic payment or it would continue to be made even if it was greater than the outstanding balance ), and would not take a payment from me in order to continue charging me interest. XXXX said she would provide feedback to XXXX ' supervisor and ask her to pull the recording of the call to verify what XXXX had promised. Maybe this is a training issue but phone reps should not be providing false information, preventing customers from making payments so that more interest can be extracted. I understand that this involves a nominal amount of money, but this is a misleading and fraudulent practice allowing representatives to blatantly lie to customers to prevent the closure of a loan and induce additional interest. If this is happening for small amounts of money, chances are there are other similar practices affecting other consumers and involving larger amounts of money.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Weimark
State: AL

Complaint narrative:
I did not authorize the inquiry from Weimark. I do not have a mortgage loan with this company. I contacted the company to have this removed but they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Chime Financial Inc
State: IN

Complaint narrative:
On the morning of XX/XX/2021 a number of unauthorized purchases were made from my Chime Credit Builder credit card. There were three pending charges for {$660.00}, {$330.00}, and another for {$660.00}. Another charge for {$620.00} did not process due to lack of funds. All of these charges were for businesses in XXXX. The pending charge for {$330.00} would eventually not end up posting ; however, the two {$660.00} charges did post. 

Upon waking up, I immediately contacted Chime to cancel the pending transactions. Chime informed me that they could not stop the transactions until they posted and advised me to file a dispute. I did so immediately - filling out a paper form and answering questions sent to me via the Chime app. 

The dispute was officially opened on XX/XX/2021 by Chime. I am not aware as to why there was a delay. On XX/XX/2021 they closed the dispute. The email was poorly worded, so I mistakenly assumed that they meant I would be refunded my money on XX/XX/2021. 

On XX/XX/2021 I still had not received my money. I called Chime and they advised me that they had declined my dispute but would not give me additional information as to why. I was advised that I could only reopen the dispute if I had new information - I have already provided them with all of the information that I have and since they havent advised me as to why it was declined, I can not give them new details. 

The Chime Dispute team has advised me that only their Dispute Information Team can give me additional information ; however, they can not be reached by phone or email. 

At this point, Im stuck in a loop where they wont let me reopen the dispute without new information but they wont tell me the original information that led to the denial of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a phone call from someone stating that there was a suspicious charge on my Amazon account.They said that someone had charged a new XXXX  to my account in the amount of {$1400.00}. I checked with Amazon and no charge had been made. When I asked the individual on the phone if this was really Amazon they hung up. 
The call was from XXXX XXXX XXXX XXXX. My phone stated it was from XXXX, California.

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 2021-06-07 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: NY

Complaint narrative:
I have sent my FTC identity theft report by mail which they claim they never received are reporting fraud accounts which are listed in that report and they were supposed to remove this and the hard inquiries their giving me a hard time to get this done I dont underdtand their problem its not fair and the my Equifax is not working again its saying no file found horrible experience

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Hi, I didn't receive any bill or collection from this company and suddenly they put it on my credit report, as a result of this, i had to pay the collection company the money i owed, {$9.00}. Also notified them i didn't get a call or letter. 
The name of the collection is Sequium Asset Solutions LLC Account was Opened XX/XX/2021 Account closed XX/XX/2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems is attempting to collect XXXX when the amount owed is {$90.00}. Ive contacted them several times with the most recent being XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA XXXX XXXX. XXXX, all unverified accounts XXXX be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose. 

( a ) Accuracy and fairness of credit reporting. 

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I know they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping susceptible to identity theft, but its hindering my from applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TX

Complaint narrative:
I have repeatedly contacted transunion regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how Transunion conducted their investigation and never received the proof. They finally removed the account. A few weeks later the account was reinserted. I never received any notification within 5 days, per FCRA, after the reinsertion. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe.

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 2021-06-07 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: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
The Money Source has held my escrow overage for two consecutive years. I am due a refund for XXXX and XXXX totaling approximately {$2200.00}. I have called numerous times and they continue to make excuses. I would also like my payment amount recalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold XXXX XX/XX/XXXX XXXX until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

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 2021-06-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my Equifax report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

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 2021-06-07 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: NJ

Complaint narrative:
I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield and associated XXXX. I've told them over and over that I had 2 insurances.Ive disputed it over a year and if they go back they would see that I was covered by XXXX XXXX and XXXX XXXX and XXXX so I know there should not be a balance but they still have it on my credit report and I've asked them to remove it more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony bank charged my card XXXX seven times on XX/XX/2021 when they were supposed to take off a XXXX charge that was for a exchanged washer on XX/XX/2021. They also took off all of my promotions that didnt accrue interest when trying to refund the money. One that is supposed to expire this month. I have spoken to a XXXX, XXXX and a XXXX which have been no help at all, and were rude. Synchrony already acknowledged the mistake, but refunded the wrong amount, and I am being still charged for 2 washers rather than one. I have no idea what is going on at this point. I have been a good customer for years. I intend to take legal action if this isnt resolved.

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 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Loan was refinanced and paid off on XX/XX/2021. Guaranteed Rate stated that sent a escrow refund check on XX/XX/2021, I call them after 30 days on XXXX/XXXX/202, They apologized and said that they would send out another check and to give it 30 days. I waited another 30 days I called on XX/XX/2021 still no check. I have spoken to 3 different supervisors all saying they would escalate this issue. I have also spoken to them today, XX/XX/2021. I have waited long enough. And, I do not have confidence that this will get done.

Company response to consumer: Closed with explanation