vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: FL

Complaint narrative:
the following accounts has been disputed twice with XXXX, XXXX and Equifax : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I moved from XXXX  to XXXX XXXX and I'm trying to register my car in XXXX XXXX I contacted Citizen 's bank yesterday, XX/XX/2021 and was told to email in the form and wait 3-5 weeks for a reply. I emailed them the form today, XX/XX/2021. 

3-5 weeks? Seriously? I understand that COVID has caused some delays, but 3-5 weeks for a form to be processed? Citizens Bank set up my autopay immediately and takes the money out of my account every month on time. If i was applying for a new car loan - something that would make them a profit - I'm sure it would be processed immediately. But I need a little service and I'm told to wait 3-5 weeks. That's not okay. My account number on this loan is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a previous complaint on XX/XX/2021 in regards to improper reporting and other consumer violations. I have submitted letters to the companies involved prior to that. 
The complaint was closed due to XXXX and Transunion needing " authorization/verification ''. I called the phone number provided in the response and was told to re-file my complaint. 
I will enclose the previous supporting documentation as well as the original complaint on XX/XX/2021

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 2021-10-05 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: GA

Complaint narrative:
I have previously filed a XXXX  complaint against XXXX and Equifax because of unfair practices. They have repeatedly decreased my score by 50 or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result XXXX decreased my credit score by XXXX points. Equifax takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Upon learning of a fraudulent account opened under my name, I contacted Wells Fargo multiple times. In person at a branch and over the phone and Wells Fargo continues to allow fraudulent activity! 
I have filed paperwork with Wells Fargo I have filed paperwork with credit bureaus and police departments. 

There is an internal worker of Wells Fargo that is assisting with the fraud under my name. Not only have they continued to contact me but my information in system has been changed also!

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 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
The company I will be referring to is acima leasing out of XXXX, UT. 
I bought merchandise using this company in 2020. The pandemic took its toll of my finances and I almost went broke. My finances fell apart for me as a result. Acima leasing is one of those finances I owed. My bank account was closed and they could no longer could charge my card. Here is the issue. I opened a new bank account with a new bank. Acima leasing randomly today has charged my debit card. They have never had that debit card information. They never got a court order of any sort to obtain that information. How did they get my debit card information and charge it without any permission? I am not disputing the debt at all, but only their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OR

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST- THIS IS A REQUEST THAT RESULTED FROM THE INCOMPLETE RESPONSE In XXXX I was promised that I would receive grandfathered guidelines as long as I qualified for them. This was promised to me by a the XXXX XXXX area retail leader and the XXXX branch manager since a bank error caused XXXX to not recognize the grandfathering automatically. I confirmed this with XXXX branch manager XXXX in XXXX of XXXX. I still received fees on my account anyway. I would like them refunded. 

To be clear. I'm requesting that the service fees charged on my Key Priveledge select checking in XXXX and XXXX re refunded to me through a check mailed to my house. This amount should be {$500.00} or {$550.00} I'm locked out of my online banking so I can not verify the exact number of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have been notified by my credit reporting services/fraud service that a bank account was opened at Wells Fargo XX/XX/2021 using my name and ssn. I notified Wells Fargo of the fraud and they stated they were placing a hold on the account because of the fraud, however, today XX/XX/2021 I received a new notification from my paid fraud service that Wells Fargo has allowed another checking account be opened using my name and SSN. This make no sense because I have placed a fraud alert on my credit, my credit reports are locked & noone from Wells Fargo has reached out to me to verify my identity prior to opening these accounts which is required per the fraud alert placed on my credit which includes my personal cell phone that is required to be called prior to opening any accounts.

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 2021-10-05 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:
I was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. Synchrony/ XXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped XXXX points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.

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 2021-10-05 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a letter was sent out XX/XX/XXXX asking that all previous address be deleted. employment history be deleted because i don't work .also, change address to the current address and correct birthday.

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 2021-10-05 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: DC

Complaint narrative:
I have reported multiple times to all XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX ) that XXXX  Account # XXXX has me late 60 days Feb 2021, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
Car has been repossessed reporting mssed payment every month since XX/XX/XXXX and or CO everymonth since XX/XX/XXXX. Please remove all late payments. I was impacted by Covid 19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: MA

Complaint narrative:
On XX/XX/2021 at approximately XXXX I contacted chase disputes as requested I told the agent I didnt have my card when asked for the number the agent then asked for my social security # which I gave then Then again they asked for the last 4 digits of card # which again I told them I dont have it at that point they place me on hold for over 30 minutes until XXXX finally hung in frustration This type of unprofessionalism has happened on multiple occasions with Chase and their customer service personnel

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
The agency has never been in contact w/me before. They provided an incorrect address about an account I have never seen. I advised them that it was not mine and never has been because I have an account w/the entity they stated my account was open with. They required me to submit information w/my current address to prove that I received their attempts to collect a debt and to file a police report and then they will remove it. This sounds very fishy to me. I already advised them the debt is not mine and I have never lived at the address they provided. I have lived at my current address for the last three years and this account is from 2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
a letter was sent out XX/XX/XXXX asking that all previous address be deleted. employment history be deleted because i don't work .also, change address to the current address and correct birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried placing a credit freeze online with Equifax in XX/XX/2021, however I was unable to online. I then called Equifax customer support to remedy the problem. In XXXX, I mailed in a photocopy of my driver 's license and social security number card to verify my identity per instructions from customer support. On XX/XX/2021 I called Equifax customer support to place a credit freeze, and they refused to do so. 

In XX/XX/2021, XXXX and XXXX were able to place a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Spoke with Carrington Mortgage customer service XX/XX/2021. I was informed my request for mortgage assistance was being processed for the Covid-19 Mortgage relief program. I asked had the sale date for my home been canceled, I was informed it had not been. I was told Carrington does not cancel foreclosure sale date even though they are processing my request for mortgage assistance. I have read if your mortgage company is processing your mortgage assistance request they are suppose to post pone the sale date until the mortgage assistance has been processed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CMG Financial Services, Inc.
State: NV

Complaint narrative:
XX/XX/2021 i was under the impression that my mortgage payment was processed with cmg financial. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called cmg financial to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX and XXXX so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called cmg a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and XXXX. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NV

Complaint narrative:
XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX  and equifax so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and equifax. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.

Company response to consumer: Closed with explanation