vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: U.S. BANCORP
State: OK

Complaint narrative:
XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. 

{$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. 

XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help.

1

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 monetary relief
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my accounts and needs to report the payment status positive and update all late from reporting on this account : XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX  XXXX account was adjudicated during Chapter XXXX. The account reappeared on my credit report after my Chapter XXXX was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
SPS ( Select Portfolio Services ) obtained my mortgage and have charged fees to make electronic payments. The only way to avoid fees is to mail in payments or subscribe to automatic withdraws. 
Initially the payment fee was {$5.00} and now the fee has increased to {$15.00} with no other payment options other than by mail or automatic withdraw. 
Additionally, they did not offer to waive the late fee since I have never made a late payment. My bank mails my payment directly to SPS and the XXXX payment was not received and this is when I discovered that the payment fee had increased to {$15.00} and add to this the {$38.00} late fee. 
I feel that these fees just for customers to make payments is abusive and predatory. We should not be charged fees to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA SIMPL-. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, 2021, I was notified that a hard inquiry was done by Capital One. I have not applied for a new credit card with Capital One. I contacted them and notified them and they denied application since it was still pending ; however, the hard inquiry is still in my report. I need removed since it was not me applying for new credit card. Also, XXXX XXXX ran a hard inquiry again after this same incident occurred in XX/XX/ 2021. I requested back in XXXX that my credit report be flagged and notify me of any new inquiries but they failed to contact me. I have therefore frozen my account with experian and see if this works from having hard inquiries conducted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Wisconsin Housing and Economic Development Authority
State: WI

Complaint narrative:
I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
someone committed fraud by using my credit by going through XXXX XXXX and also through wells fargo

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Been trying to open bank accounts and kept getting turned down was because of reports on checksystem so I contacted checksystem and said someone has opened accounts in my name and different ssi number and told me to contact you to get help

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 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
i disputed these accounts with the creditor and the representative told me to stop disputing because it was reporting correctly and the information on my credit report is still reporting inaccurate information which is a violation of the FCRA also i have provide a copy of my account thats reporting inaccurately. i alos ask the company to provide the following Agreement with my information that was grant collection agency name the authority to collect this alleged debt.

Signed agreement debtor has made with debt collector, other verifiable proof debtor has a contractual obligation to pay debt collector Any agreement that bears the signature of debtor, wherein agreed to pay creditor. 

All statement while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgment been obtained by any creditor regarding this account? 


Easternaccos ( WOW ) ACCT # XXXX XXXX inaccurate information Easternaccos ( WOW ) ACCT # XXXX-inaccurate information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have an account that is good-standing with Google Fi ( www.google.com/fi ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. 

Google Fi Support Inquiry : Case ID [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I sent {$10000.00} ( buyout quote amount ) on XX/XX/XXXX with my odometer statement via mail. I called XX/XX/XXXX to check in on the status of the check and title. The check was cashed out on XX/XX/XXXX. I have not received the the title yet but I need it mailed to me immediately because my car insurance and and car registration will expire XX/XX/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 2021-10-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PNC Bank N.A.
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -PORTFOLIO RECOVERY ASSOCIATES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NC

Complaint narrative:
Last night I checked my XXXX XXXX  account. I looked at my credit score and it showed a collection was due. The agency that reported the debt was XXXX XXXX. It dropped my score XXXX points. I contacted my bank the following day and they said I had no collections coming from them. Then I contacted XXXX XXXX, they additionally said there was no collection from them. The date listed was from XX/XX/2021. After that I tried contacting the FTC and they eventually had me do a complaint on consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 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 35 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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I was in a XXXX XXXX mortgage forbarece from approximately XXXX of XXXX to XXXX of XXXX paying approximately {$1700.00} monyhly prior to the forbarence. In or about and I was making payments to the lender to XXXX of XXXX I began making payments to the lender in different amounts to keep my loan as current as possible. When my finances began to improve in or about XXXX of XXXX I was informed that I could no longer remain under forebearanc. At that poit he lender stop accepting my payments and keep attempting to force me to agree to repayments options that are designed for me to fail. The option that they keep attempting to force me to accept is to pay {$6000.00} in an upfront lump sum and {$3200.00} per month for 12 months. Or to take all of the past due payments and put them back into the load with a more than 1.75 % interest rate increase. They keep insisting that there is no other options. I spoke with representatives of my banking institution and they informed me that my servicer may be in violation of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
Hi, I attempted to close my Chime.com, an internet bank account in early XXXX. It is now late XXXX and I've had no success. 

In XXXX, I contacted them by phone and they said a check was already mailed out..wait 7 to 10 days days.

I followed up with email. Please provide a drivers license ... Done.

Next email... please provide a copy of a social security card..Me..nope not sending a copy of my social over the internet ( social security cards can not be used for identification anyway ) Next email... please provide last 4 digits of social done Next email..we need a copy of a utility bill ... sent Next email..sorry the copy is insufficent..please resend with all 4 corners showing At this point, I'm done. They are just stringing me along only to ask for something else. 

Can you assist? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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:
I saw my credit report and saw some fraudulent activity on it ( inquiries ) on the 3 credit bureaus so I sent them my ftc report and nothing never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I want to dispute every hard inquiry as fraud but not XXXX. 

XXXX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX The following has charged off and I like them removed and closed due to the pandemic and I am at high risk of XXXX and can't work. 
1. SUN LOAN # XXXX 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation