vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to dispute a account on my credit score but Myequifax won't allow me to log in. The error reads " We are temporarily unable to complete this request ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all 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 explanation
Consumer complaint received 2021-04-22 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:
The accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I contacted : MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX {$2200.00} Balance updated XXXX XXXX, 2021 Several times concerning this collection. They have no record of the amount of this debt or any other info on. I requested they stop report I got this collection credit or taking credit for this debt because they couldnt produce the minimum info on it. I contact the XXXX who said the debt was verified ... it was not since Midland Credit Management had no information on the debt when I called them. This is a scam. XXXX  is enabling them to do it. Please take action. 
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX My name. XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Some years back my wallet was stolen that had my license, social security card, and bank information in 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 2021-04-22 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: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day 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 is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted 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 my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX  seems to have a higher score with a XXXX points difference. Equifax and XXXX  are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are XXXX less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. Equifax and XXXX  are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: U.S. BANCORP
State: CA

Complaint narrative:
I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are Elan Financial Service and XXXX / XXXX XXXX. I could not reach Elan and XXXX stated they didn't show anything. Contacted XXXX  to dispute 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 non-monetary relief
Consumer complaint received 2021-04-22 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I had 2 balances on my account. 1 for XXXX good until paid in full and 1 at XXXX that expired on XXXX. I wanted to pay off the XXXX balance but wanted to make sure my payment would be applied to it so I contacted the company to find out the best way to go about this. The balance expired on XXXX and would go to XXXX on XXXX. I made the payment on XXXX expecting it to go to the XXXX balance as the terms are payments are applied to higher rate balances first. This did not happen. I have been speaking with company representatives for several months. On initial conversation with the representatives they agree that the payment was misapplied and tell me they will forward it for correction. It was never corrected and now I'm being told that it can't because I made the payment before my statement closed so the payment was applied to the highest balance on my previous statement. I've asked to be shown this in writing and that has not happened. I have the original card agreement documentation and the balance transfer offer and no where does it state that I must wait until my statement closes to make a payment in order for it to apply to the higher interest rate first. I contacted the company specifically to make sure the payment would be applied correctly and followed their advice and waited until the offer had expired before making the payment yet they left that balance at XXXX and applied my payment to the 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 2021-04-22 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a Chase Sapphire credit card for many years. After an experience with poor customer service, I closed that account in XXXX of XXXX. 

In XXXX of XXXX, Chase logged a new charge on the closed card/account and sent me a bill. This was an annual, recurring charge from XXXX XXXX, whose services I had stopped using. I had notified this XXXX that I was no longer using their services XXXX in XXXX of XXXX ), however, they submitted the charge to Chase anyway. 

Chase should not have honored a charge against an account that had been closed for 9 months. Indeed, multiple other vendors who were submitting charges on a monthly and annual basis contacted me to tell me that their charges submitted to Chase in the past 9 months Chase had been declined. Vendors with whom I still wanted to do business were moved to an alternate card. 

I spoke to Chase on the phone and they indicated that their policy was that customers are responsible for charges submitted after cards are closed. I have not agreed to those terms and this policy was not reflected in their interactions with my other vendors in the preceding 9 months. Chase offered to submit a dispute request with XXXX on my behalf. I do not think I am responsible for pursuing a dispute, as I am not bound by the fraudulent policy that they have outlined and which XXXX has taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Hello, I got a call with threats to call a number if not they will file a case against me. I believed it was a scam and asked them to leave me alone because they said they couldn't provide any information to me. A week later, my sister texts me and told me someone called and asked for me, and left their name and number and asked for me to call back, if not there was going to be a case filed against me. I finally called and they told me I need to pay {$300.00} if not, the court will charge me {$1000.00}. I got intimidated and paid, but now I will be struggling to pay my rent. I am the only one working at home with XXXX kids to provide for due to Covid, and now I will be short with my rent. They said I need to pay in full and did not give me options to pay in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
Today XX/XX/XXXX, I called XXXX to remove my information front credit report but was told that they did not remove the information because Equidax is suppose do that. I then called Equidfax and they told me that it was the responsibility of XXXX to report it wrong. A little got was a run around from both. My student loan was discharged in XXXX. I have had other issues with Equifax not removing incorrect information on my credit report. The other credit reporting companies have removed this information. I hope you can help b cause I do not want to have to pay for a lawyer to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: IL

Complaint narrative:
I sent in my police report and my notarized affdavit to Experian. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit

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 2021-04-22 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit 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 2021-04-22 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going in order to rightlfully retrieve my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I have no other souce to store my funding and have recvently got out the hospital from XXXX XXXX and used PayPal quite frequently. My email linked to my PayPal is XXXX Re : XXXX ( Reference Number ) Message attached below You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX seems to have a higher score with a 46 points difference. XXXX and Transunion are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are 20k-30k less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. XXXX  and Transunion are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.

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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with Bank of America ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with Bank of America. I have contacted BOA and XXXX to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: OH

Complaint narrative:
Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval. 

I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio. 

Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.

After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio. 

I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 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 explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: AL

Complaint narrative:
On or around XX/XX/2021 I made a purchase with XXXX XXXX my phone was malfunctioning and the charge was made multiple times I called the bank to verify the charge and was asked security measures Wich where satisfied I was told I would be able to access my account and I keep going through the same series of verification and security measures and I still don't have access to account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with XXXX XXXX XXXX ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with XXXX XXXX XXXX. I have contacted XXXX and Experian to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.

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