vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I sent a letter to CMRE Financial Services for a XXXX XXXX account that they placed on my credit and have yet to receive a response or account deletion. The account was paid in full, Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID- OFF and settled medical debts from credit reports that have been fully paid or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was told by 4 different companies that the inquiry they were pulling would be a soft inquiry which were all done in this the last month yet each Company did a hard inquiry without my consent. There websites said that the inquiry would not affect my credit yet they are all on my credit report and have impacted my score substantially. I am furious and need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I requested from XXXX that they reverse the late fees and interest charges for my credit card payment that was paid in full but slightly late. The late payment was due to issues related to XXXX. I thought that XXXX would be reasonable and work with me to help find a solution but they denied the request with no further consideration.

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 2021-08-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Sapphire Reserve credit card. I have been a customer of Chase since XXXX. I was charged a late fee for missing payments for the month of XX/XX/XXXX and XX/XX/XXXX. I have always been enrolled in autopay since XXXX. I called up their customer service team and they found that autopay on my account got disabled due to technical issues on their system. The customer service agent re-enabled auto-pay and my payments went through. The customer service agent also reversed late fees and interest fees on my account. However, he failed to update the payment history. This has been getting reported as a missed payment to credit bureaus since XX/XX/XXXX. I recently got my credit report in XX/XX/XXXX for a rental application and found this reported missed payment. I called Chase credit services team on XX/XX/XXXX and they reviewed my account and the notes on my interaction with the customer service agent on XX/XX/XXXX and found that the agent failed to update my payment history. They agreed to fix this issue and send the updated status to credit bureaus. 

I pay {$450.00} as the annual fee for owning this credit card and availing Chase services. Their failure to report the correct payment history to the credit bureaus impacted my credit score significantly which led me to pay more on mortgage rates, insurance premiums and my rental fees for the past 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: American First Finance, Inc.
State: GA

Complaint narrative:
I recently made a complaint to CFPB against American First Finance regarding inaccuracies on my credit report. I was contacted by the agency prior to filing the complaint they let me know of the mistake on their end and offered me a refund of the last payment made on the account as a courtesy. I was told the credit report would be updated to state the account was paid in full with a zero balance and that no further action from me was necessary. That is not how the account is reporting. It is reporting there is a balance of {$220.00} and that the account is closed and was charged off as a bad debt. I have attached a screen shot of what is being reported as well as a letter from the company themselves from the last complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: WV

Complaint narrative:
Southwest Credit Systems Has been reporting every month only credit report, when I don't recall ever even having a XXXX account. I've never received any notification of Collection activity via Mail or never received notification that I may dispute this collection account. This collection is also reporting an inaccurate address. This is A violation of my rights as a consumer, and a violation of the FDCPA right to notice of debt. I am requesting Immediate removal for this account off my Credit report From all 3 Major Credit Reporting Bureaus XXXX, XXXX, and XXXX, and to cease All Debt Collection Activity! if not removed I will not hesitate to bring legal action against you for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character. Failure to remove will also result in A complaint to the FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. 

I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. 

I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. 

After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. 

I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. 

So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. 

When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. 

However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. 

At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. 

They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. 

I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.

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 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-19 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: FL

Complaint narrative:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: TX

Complaint narrative:
I have had numerous background checks ran by checkr for various employers. The FCRA rules clearly state that background information beyond 10 years may not be reported. Also in Texas it is illegal to report past 7 years unless the employer is specifically offering a position with a gauranteed annual salary of {$75000.00} or higher. Checkr has violated both of these mandates numerous times with different companies causing me to be denied employment. They do not respond to any correspondence. I have sent them 30 emails, no response at all. NONE. Furthermore the company is guilty of absolute blatant lack of ethical responsibility to their duty and blaming it on covid. The court houses in XXXX TX NEVER CLOSED AND WERE NEVER BACKLOGGED FOR ANY REASON OTHER THAN FELONY CRIMINAL TRIALS. They pick and choose what companies to run background checks in a timely manner for and others they delay. How would I possibly be able to make this accusation?? Because literally today I had one background check ran in XXXX through checkr. It came back in 10 minutes. The one for my XXXX account that has me out of work and In sever financial trouble, is going on 30 days with no valid reason, no response from checkr And something has to be done. They have to be held accountable. This isn't just dealing as a private business, they are in control of peoples livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NC

Complaint narrative:
I recently sent a dispute letter to Equifax, and on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from this Equifax. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: OR

Complaint narrative:
Bank of the West put my account on hold XX/XX/21 as I did an online transfer to my daughter through the XXXX XXXX. They are saying on the phone that they can't verify who I am after I answered their questions. I'm blocked from online banking with my account.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had the worst experience ever w/ XXXX XXXX. I was mistreated so badly that I resorted to contacting you. 2nd call hung up on by a mgr.. 4th call, supervisor just didn't talk for 20 minutes and waited for me to hang up. I will contact every mgr & bureau bc I was I was denied my banking rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CA

Complaint narrative:
I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
On XX/XX/2021 a charge was put thru on my XXXX XXXX credit card, for like over XXXX. I didnt know about it until I started getting notices from XXXX XXXX that my orders are on their way. I immediately called the credit card company and said please stop all orders I never placed the orders. The representative said they cant stop it. I tried to call ups and usps and whoever was going to deliver the order to tell them to return it it was not authorized by me. XXXX XXXX has the records of me calling so many times. Well XXXX XXXX couldnt stop the order and ups said I have no right to stop it I am not the sender and XXXX XXXX Would have to do it and when I called XXXX XXXX they refused because they said they cant. Well I never got the orders we dont know how they were picked up since I had no control over it. I couls not get anyone to help me. Now I reported fraud on my card for the full balance and now they are holding me responsible and the card company sent me a bill that is due and a new card but how should I pay for something I never charged that is not fair. I had my wallet stolen from a church fundraiser at the end of XXXX and thats when the charges were done. Please help me resolve this it was not my fault. XXXX XXXX is holding me responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
The company continues to harass us that our mortgage payment is past due. They also responded to a previous complaint on XX/XX/21 that our issue has been resolved, but it has not! ( see attached ). We have been dealing with their extremely poor customer service departments/escalation departments/management, and extremely poor follow-up for over 2 months now- and the issues still exist! They have never called us back like they stated they would and they continue to provide erroneous information to the credit reporting agencies and the organizations investigating these issues.

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 2021-08-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX a unauthorized charge was placed on my credit card with USAA. I reported this transaction which I found out USAA refers to as a " dispute ''. USAA agreed with the charge and corrected my account on XX/XX/XXXX. In XX/XX/XXXX, I was told by my home lender that a dispute showed on my current credit reported by USAA. My complaint is USAA or any other banking company should not be allowed by law to report this type of internal process to a third party credit agency. The disclaimer on USAA banking website reads as follows : USAA reports to credit agency, missed payments, defaults, and late payments. In my judgement this type of reckless reporting can result in a adverse action report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation