vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: VA

Complaint narrative:
I submitted three credit disputes to Equifax credit services the first ( dispute # XXXX ) being on XXXX advising them that various accounts have been paid and that they need to update them. I received notification from their company on XXXX stating that they've updated four of the creditors has been updated but not the others. I reached out to the creditors in question just to verify and to be sure that they were reflecting paid. I was advised by creditors in question that the accounts were in fact paid and was reported as such. After learning of this, I took the time to file another online dispute ( dispute # XXXX ) through Equifax 's website again on XXXX. This time around, I attached proof of payments obtained from the creditors in question. I received an electronic notification from Equifax on XXXX stating that the creditors are reporting accurately. I reached to Equifax by phone on XXXX. I spoke with two representatives ( first rep placed me on hold for 40 minutes and never came back to phone ). The second rep that I spoke with assured me that the two accounts in question had been updated and corrected. I gave it a few days and decided to check my credit file, only to find that the same two credit items are still being reported incorrectly and still haven't been updated. Meanwhile, XXXX and XXXX were able to verify, correct, and updated the same information well over a month ago. I reached back out to Equifax by phone on today XXXX, and was advised by rep that the items in question have NOT been updated in spite of the numerous phone calls and request, along with proof of payment that I've submitted. He told me that his name was XXXX and that he rep number was XXXX. He advised that all he could do was to submit another dispute ( dispute # XXXX ) and that it could take another 30 days to get a resolution. Left with no other option, and being totally frustrated with the situation, I had to come to your corporation to file this complaint. This entire situation is impacting me negatively and is discriminatory. I am SERIOUSLY considering pursuing legal action against Equifax. I am sure that if they're doing this to me, that there are others that they are doing this to as well. Please feel free to contact me with any questions or concerns that you might have. Thanks in advance for your help and time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Our Mortgage company is Carrington Mortgage, we did go into foreclosure, due to various reasons ( covid was a cause ), but after paying back the roughly {$4000.00} in missed payments. We also paid an additional {$8000.00} dollars in fees. Now they are charging me with an additional {$5000.00} dollars in fees, after we paid everything off on XX/XX/XXXX. Then XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) they continued to charge us fees. Without giving us a reason or cause. They simply state that they can because it's servicing our loan and it's in our contract. We have been current and ontime since XX/XX/XXXX, and yet they are still charging fees. The only reason there is no fee in XXXX, or XXXX is because I sent a dispute letter and they had to stop until the inquiry is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was told it is a gift voucher and was given a store card by forever 21 which involved a lot of paperwork. Back then I did not know what a store card was. This was on XXXX XX/XX/XXXX. I received mails from them and I thought they were promotions for forever 21. When I received these mails every month. I opened a mail on XXXX XX/XX/XXXX to find that I had to pay XXXX USD. I called customer care the very next day and it is very hard to reach them. I paid the amount and asked them to close the card on XXXX XXXX XXXXThey promised me that I wont incur anymore charge from their side since the card was closed. To my horror I incurred XXXX USD by the month of XXXX. I call them up just to find out that there was a hidden XXXX USD which accumulated interest and a late fee to become XXXX USD. They promised me that there wont be any more fee if I pay this XXXX USD. I paid the same hoping this matter is closed once and for all. I receive a mail from them in XX/XX/XXXX that I have to XXXX USD by XXXX XXXX XXXX. I am bleeding and this is not fair. Neither customer support nor their chat is useful. I need justice. When I narrow down on the statements. They are just interest and late fee on the interest even after the card and account are closed. How many times should I keep paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED EQUIFAX, XXXX, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE STUDENT LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in the bank XX/XX/2023 and asked if I transferred money to another account within chase and it was fraud, would I be able to get my funds back. I was told yes by a banker and a teller. On XX/XX/2023 I discovered it was fraud and called my bank and was told to go to the branch. I went to the branch and they told me to call. I spoke with another representative who told me because I withdrew the money, they couldn't dispute it although it was sent to a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I had a card from Capital One Bank XXXX. This card was deactivated, while I called Capital One I was informed that my account was closed and by balance was {$0.00}. This call was recorded and therefore should be on file with Capital One. I was however sent a collections notice on my owing {$0.00}. However the collections letter state some {$9000.00} owed in penalties and interest. And this figure has been reported to my credit. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XXXX  for this account, whereas XXXX is reporting a last active date of XXXX  This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.

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 2023-03-29 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: NY

Complaint narrative:
I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XX/XX/XXXX for this account, whereas Equifax is reporting a last active date of XXXX This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what Equifax has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: AZ

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also 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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried to contact Experian several times to make a dispute and its still not showing as disputed. 
XXXX XXXX XXXX  makes the false claim I owe {$240.00}. 
I do not owe them any money. They actually owe me money and I had a credit, this is all illegal fees. 
The problem is that this is a conflict of interest because I got this card off the experian app. Now Experian wont remove it or help me.

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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I CLOSED A CREDIT CARD ACCOUNT WITH PNC DUE TO POTENTIAL FRAUD. I HAD PREVIOUSLY SCHEDULED A {$100.00} PAYMENT TO BE APPLIED ON THE DUE DATE. I WASN'T CREDITED AND I WAS CHARGED A {$27.00} LATE FEE. THIS IS WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29 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: LCI Acquisition Inc.
State: AL

Complaint narrative:
I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
i have XXXX sitting in my paypal account since XXXX and paypal still wont release. I reached out to them and they said to email XXXX with photo id to restore the account and balance. I have done this many times and even asked for updates. They dont respond. I think they just said that to close my complaint but had no intention of following up. They have everything they requested but will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: Lacy Katzen LLP
State: NY

Complaint narrative:
On behalf of my account please challenge the follow incorrect reporting tradeline I am requesting a full validation letter and prof of the original signed loan and reporting delinquent months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, TRANSUNION, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.

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 2023-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, XXXX, EXPERIAN CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.

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 2023-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I attempted to open a XXXX XXXX account at CIT Bank ( a division of XXXX XXXX ). I navigated to their website XXXX XXXX XXXX and filled out the required information. I am a US citizen in good standing with all of my other financial institutions. 

Upon completing the very basic online form ( where I provided contact information and SSN ) I received the following response : " Unfortunately, we are unable to open an account for you at this time. Thank you for your recent application to CIT Bank. We regret to inform you that after a through review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. '' No explanation for my rejection was given. I called CIT at the number listed on the rejection page, XXXX. After waiting on hold for 15 minutes the system disconnected me. I called back and this time elected to have them return my call when available. 

I received a call back from the automated system at XXXX XXXX and was quickly connected to a representative, XXXX XXXX Our call lasted 6 minutes, 46 seconds. Below is the summary of our conversation : -I described the problem and asked why my application for a new account was denied -He looked up my application and successfully found the record of my application -He informed me that it was an " auto generated '' rejection and that there was no way to know why I had been rejected by the system -I questioned him on that and informed him refusal to give a reason was likely a violation of the Equal Credit Opportunity Act ( ECOA ) -He stated that " CIT was a big bank and would never do anything illegal '' -He also stated that " this issue has come up many times before and whenever he has tried to elevate it, all he got from management was the same response '' -He informed me that the auto-rejection was unable to be appealed and no explanation was available. 
-He reviewed my application information with me to ensure nothing was entered in error-it was not. 
-I asked if I could reapply. He said yes.

-I ended the conversation and informed him of my intent to file a complaint. 
-Later in the day on XX/XX/XXXX I filled out the form again and received another rejection from the system with no explanation.

Company response to consumer: Closed with explanation