vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been charged a late fee on this card the last two months in a row from my Macy 's store credit card. ( This is not the first time this has happened within the tenure of my account with Macy 's. ) They have a due date of the XXXX of the month and in XXXX the XXXX fell on a Saturday and, because of their method of posting their payments, it wasn't posted until the XXXX. Last month, they said I did not make my payment on time. In XXXX, I set up my payment ahead of time to be made on the XXXX and, lo and behold, no payment showed up. I received a email the makes me aware my payment was not received and was assessed a late fee of {$29.00}. Imagine that ... 

To their credit, they did wavie the my XXXX payment but this is a shell game no doubt.

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 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XXXX I received an email from support at chime bank indicating that I needed to provide proof of identity and address in regards to my checking account and credit account I have held with them for a year. The balance on XXXX XXXX in my chime checking account was {$73000.00} and in my credit account the balance was {$7500.00}. My account with them was suspended with no prior notice or explanation. I have no access to my money or to any of my funds. I provided the necessary documents immediately and my account is still suspended. I have direct deposit from my employer that was due to be deposited on XXXX XXXX and that deposit was rejected due to the account being suspended. Again without any explanation or further notice. I contacted customer service on XX/XX/2020 and was told that my account would be reinstated immediately after the documents were provided that they needed. I received an email from support at XXXX XXXX on the same day XX/XX/2020 that my documents were received. I still have no access to my account. Upon further investigation I have found numerous complaints from numerous sources that chime bank has done this quite often to many people. This matter has yet to be resolved and my funds are still unavailable. When I try to log into my account it says that my account has been suspended and to contact customer support. I have. Without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: GA

Complaint narrative:
I previously submitted a request to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I wrote to you requesting an investigation for the accounts listed below and per my return receipt, it was delivered at your address on XX/XX/2020. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and, Incomplete on my credit report you are reporting. 
1.XXXX XXXXXXXX 2.XXXX XXXX As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. 


I am requesting for you to delete these accounts immediately from my credit file. Since this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, which I have given an additional 15 days due to COVID, which you have failed to provide me. 
Again, please DELETE these accounts from my credit file, permanently.

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 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THE CREDIT BUREAUS REFUSE TO HELP ME ON THE PHONE OR RESPOND TO MY MAIL!! IT HAS BEEN 9 MONTHS!! PLEASE HELP REMOVE THESE NOW!! 


XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX 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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The company responded to my initial complaint with a generic response, They ASSUMED that I was credit repair company when in fact I am a well educated individual. The company DID not even attempt to investigate my dispute. I have a right to a proper investigation per the FCRA! If I submitted a letter showing the the Bankruptcy Courts doesn't report to any of the bureaus, so how is it being reported on my credit report? I demand a investigation in this matter.

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 2020-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We were shut down due to covid, we are a XXXX. 
Capital One offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile Capital One reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-12-10 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: CO

Complaint narrative:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TRANSUNION, XXXX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Fidelity National Title is illegally holding on to {$4700.00} in property taxes by loan servicer paid XX/XX/2020 prior to closing on XX/XX/2020. IN additional they are illegally holding hostage an exorbitant " pad '' in the amount of {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TN

Complaint narrative:
I, XXXX XXXX XXXX, a avid consumer that knows my rights. On XXXX XXXX I recieved a collection letter from said party on behalf of XXXX trying to collect on a debt that I dont owe. Im not liable for any alleged debt & have sent me a collection statement without without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ), 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MI

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, I had to return a product for malfunction reasons back to Lowe 's home improvement store in XXXX, pa. I was credited back to my Lowe 's advantage credit card in the amount of $ XXXX. 
Balance was XXXX. Other credits were reversal of late fee of XXXX ; XXXX ; - XXXX ; my monthly payment of XXXX ; XXXX partial of warranty refunded in check form. I also made a XXXX payment in in which XXXX was applied to the returned items ( washer and dryer ) which total costs came to XXXX. 
I was due my refund of XXXX for my payment, my balance should not be XXXX. They are fraudulent in their added fees to defraud me as a customer of XXXX cash payment and the balance of warranty fees. after all my credits and payments my balance should only be 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 2020-12-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute to Experian and they responded saying that I was not the one that submitted the dispute. I have provided my proof of identity to confirm that I am the one submitting the dispute. The FTC says that I can dispute any information that I find to be inaccurate and that is what I have been trying to do. I would like this inaccurate information deleted.

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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing stated they paid my taxes on XXXX/XXXX/2020. However, the taxes were not paid and escrow withheld {$44000.00} at sale of property on XXXX/XXXX/2020.

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 2020-12-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo Secured Platinum Credit Card in XXXX of XXXX, where I was told that my collateral deposit of {$300.00} was in placed in an interest bearing account. Due to the death of my mother at the time I became overwhelmed with my finances and completely forgot about it. The card fell delinquent and was subsequently closed either in late XXXX or XXXX. Around that same time, I was offered a job in another country and I accepted. 

Upon my return this year ( XXXX ), I ran my credit report to see why I was denied for an application I submitted, and it was then that I realized this debt had never been taken care of and I've had a charge off of {$360.00}. I immediately called Wells Fargo to discuss it. I was told that it's an accumulation of the maxed out amount of the card plus interest before it was closed. This item has remained on my report from XXXX until this day. 

When I was directed to Wells Fargo Card Services to inquire as to why the {$300.00} collateral was never applied, I could not get an answer. It appears as though my deposit has vanished. On three separate occasions I have spoken to three separate representatives, all very nice, but all they can do is " escalate the issue and look into it with management. '' I have not received an answer as to why the collateral was never applied. I opened a case with the bank 's Executive Branch today and was told it would be looked into by a Case Manager. XXXX XXXX # : XXXX ) I have also disputed this particular item with XXXX  and XXXX  but there has been no resolution - they simply " update '' the account which continues to report that I owe {$360.00} on a charge off. 

I would like for Wells Fargo to apply my {$300.00} collateral and update all 3 bureaus accordingly. Any amount beyond that I will gladly pay to return to good-standing and have it reflected as such on my credit report with all 3 agencies. 

I do not dispute that the debt is mine and I want nothing more than to settle this matter because I do not want to be in debt to any bank. I understand that credit scores can be taken into account by potential landlords, other banks, and employers, and this discrepancy is hindering my ability to get ahead. I do not find it acceptable that any bank is unable to account for a customer 's deposit while continuing to report that same amount as delinquent, subsequently affecting that customer 's standing with the CRA 's, which can be extremely unforgiving. 

Am I missing something? Is this type of practice permitted?

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 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
non XX/XX/2020 i disputed three incorrect items on my credit report and sent in payment history and a court order .the disputes came back as correct. even after i sent every thing in to show the report was incorrect .payment with checks that cleared my bank and a court order that says i am not be hide on child support

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 2020-12-10 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: MO

Complaint narrative:
My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. 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 explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We were shut down due to covid, we are a XXXX. 
XXXX XXXX offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile XXXX XXXX reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.

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