vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CA

Complaint narrative:
There are three hard inquiries I dont recognize on my credit report through XXXX. 
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX  has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my credit report.

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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I received an email saying XXXX claim went into my favor. But it was received after my account has been closed on the XXXX of XXXX. I emailed numerous times inquiring how Ill be receiving my check and no reply on my inquiry If I dont get my money sent out as in check Ill take it to ny court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am fining a complaint against resurgent capital due to trying to collect on a loan that was token out due to identity theft. I filed an identity theft report and faxed it to them and they still have not resolved matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: IL

Complaint narrative:
Filed a dispute with the credit Equifax in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened an account with citizens bank and had transferred money to fund the new account ( {$500.00} ). They closed my account the following day saying I didnt qualify etc ; the {$500.00} transactions had posted on my original online bank account statement. I called citizens to see where my money and what they did with it. The following day they told me that had no information on that even after I provided them with transaction IDs and an email stating they accepted the funds ( they had emailed me the day I opened and funded the new account ). They said that it was cancelled but they couldnt see anything else since the account was closed. I notified my bank and they told me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NY

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 2021-03-20 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: UT

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: OH

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MI

Complaint narrative:
This month the HOA fees were not deducted causing me to have to pay fees and charges. Comerica Bank says that the HOA never took the ACH this month. The HOA says they attempted and funds were not there. I don't know who to believe, I have never been late with ANY of my Fees or Mortgage The HOA is XXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Michigan I was sent a delinquency notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Leaders Financial Company
State: NJ

Complaint narrative:
Due to XXXX XXXX and health problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NJ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select portfolio servicing is my mortgage company, there phone line clearly says they have Covid relief options. But when I called the rep told me they no longer offer Covid aid but under the cares act it says diff. I was denied a deferment also. And this request was months ago. When I asked why the rep stated your not eligible for it and we dont offer this anymore this was before I got behind on my mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My Bank of America Rewards Visa Card ( ending XXXX ) was assessed interest of {$28.00} on XX/XX/XXXX on a previous months unpaid balance of {$2.00}. The previous months ( XXXX ) total balance was {$97.00} but only {$95.00} was paid in error. The card charges 16.99 % interest on unpaid balances but I was assessed a charge of {$28.00}. I should have been charged XXXX cents on the unpaid balance of {$2.00}. 

I called a representative of the bank and was assured the charge would be removed and was given this complaint number ( XXXX ). The charge remained on my account when I viewed it on line so I called to inquire of its status. The representative stated the complaint was reviewed and the charge was valid. 

The bank has not provided any explanation for charging me {$28.00} on a carryover balance of {$2.00}. 

I have good excellent credit and always pay my credit cards in full each month. If the bank claims there were other unpaid charges which justify this bogus charge they will be lying. I will gladly provide documentation showing when balances were paid upon request. 

I hope you can assist me in resolving this issue. I am a veteran on a XXXX and feel like I am being targeted. Thanks

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 2021-03-20 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: HI

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Once I paid this debt the Wells Fargo agent agreed to take the bad debt off credit report. The debt is still on my credit report and it is affecting 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 explanation
Consumer complaint received 2021-03-20 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: NE

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
XX/XX/XXXX ..started refinance with Citibank, XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX Loan amount {$120000.00}, interest rate 3.125 % at present ( almost 7 months later ) {$120000.00} Paid with credit card XX/XX/XXXX {$620.00} for home inspection etc Home Inspection XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Credit Score as of XX/XX/XXXX XXXX All copies requested sent promptly Credit and Income approved XX/XX/XXXX Was advised in XXXX, nothing else was needed at that time, but would promptly let me know, and was in underwriting awaiting closing. Estimation went from XXXX, to XXXX, XXXX XXXX, XXXX, and now the end of XXXX. The delay all being blamed on Covid, and staff working from home I started this process with XXXX XXXX XXXX ( just giving me one excuse after another for the delay XXXX XXXX XXXX ( over XXXX ) XXXX XXXX XXXX ext XXXX The interest rates are slowly going up ( at present my interest rate is 5 % ) and with this delay it is ended up costing me going with another lender. If they are not going to follow through I certainly want my money back and promptly

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 2021-03-20 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: OH

Complaint narrative:
I previously disputed addresses on my credit report that I have never lived at or belong to a family member. 

My current address is XXXX XXXX XXXX. XXXX . XXXX, XXXX, OH XXXX PLEASE REMOVE THESE INCORRECT ADDRESSES : XXXX XXXX, XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN,XXXX XXXX XXXX XXXX MN XXXX NONE XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXXNC, XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXNC , XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX NY,XXXX  XXXX XXXX XXXX # XXXX XXXX NY XXXX MY CORRECT NAME IS XXXX XXXX - PLEASE REMOVE THESE NAME VARIATIONS : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX , XXXX, XXXX , XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX promised me they would help me find a job if I ever needed help. They never helped and out out of business. Stuck with school loan for 21 years now. Maintained job that doesnt provide enough to help me pay it down. They added another XXXX to it some how thru there tactics. Not sure how to prove that as I cant find where they upcharge me ect. I still owe XXXX with a XXXX interest rate, there is no covid relief for a school that no job considers a school anymore. They just tell me there is nothing I can do about anything when calling them. Loan type FFELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Due to XXXX XXXX and XXXX problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}

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 2021-03-20 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation