vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
We made the credit card balance payment on the due date XX/XX/2022 at XXXX pm CST ( the time zone where we live ). But the card issuing bank ( Citi ) still charged us a late fee ( {$29.00} ) and an interest ( {$27.00} ) saying that the payment should have been made by the Eastern time. Never did they say clearly that the deadline is according to the EST ( or, it must have been in very fine print which we were never made aware of ). In our opinion this amounts to defrauding the consumers by using a different time zone to slap consumers a late fee and an interest, and hence we are seeking a full refund of the total disputed amount ( {$56.00} ).

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 explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.

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 2022-04-07 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: FL

Complaint narrative:
During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: VA

Complaint narrative:
I recently noticed a numerous amount of auto loan inquiries on my credit report and filed a complaint. My personal information was compromised in a data breach and I fear this may be why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

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 2022-04-07 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: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-07 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: C/C Financial
State: PA

Complaint narrative:
ACCOUNT IS SHOWING LATE PAYMENT! THIS ACCOUNT HAS NEVER BEEN LATE AND WAS PAID IN FULL IN AS DESCRIBED IN AGREEMENT. 

15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
I am a current victim of identity theft. FTC report number XXXX. XXXX, Equifax, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXK XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SERVICE XX/XX/XXXX, EQUIFAX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PA

Complaint narrative:
I am a current victim of identity theft. FTC report number XXXX. XXXX, XXXX, and Experian continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

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 2022-04-08 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: LA

Complaint narrative:
Experian hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX Experian is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.

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 explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
Our mortgage company SLS or Specialized Loan Servicing has not been properly applying our payments to our mortgage loan account and is continuously reporting that we are behind. This has be an ongoing occurrence but finally with the help of our HUD advisor and a senior mortgage loan officer at XXXX XXXX XXXX we have found numerous mistakes and miss applied funds on the loan. 
In XXXX XXXX we received Covid19 assistance from HUD during our forbearance with SLS and at that time they brought our loan completely current including ALL past late fees and legal fees. At this time we were to continue with our scheduled payment on XXXX and then we would be cleared to start a refi because our HUD advisor advised us to since we are at 7.4 % with SLS and they would not modify the rate. 
XX/XX/XXXX and XX/XX/XXXX payments were both made each totaling {$1100.00} and when we received XXXX statement it showed that they had not applied our last payments to our loan but instead to XXXX lines of fees totaling in the amount of {$1100.00} we still can't figure out were the other payment went. They also state the acct. is delinquent again and wont explain what the fees were for or reverse those fees and apply the payment properly even though they have been contacted by Us, our HUD advisor and our XXXX senior mortgage officer which is stopping our refi progress. PLEASE HELP I have sent some docs that my bank has provide we have more but they have loan # s and such if needed

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 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: HI

Complaint narrative:
On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a current victim of identity theft. FTC report number XXXX. TransUnion, XXXX, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-08 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

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 2022-04-07 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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX is currently holding {$390.00} from my business account and {$310.00} of my personal account. We used square for processing credit card payments at my business and I also use it personally for credit cards. All of this money has had a lien on it since XXXX. I had to file a complaint already on XXXX and the attorney finally sent a release of XXXX to Stripe but now XXXX is saying they need a release too and neither the attorney or XXXX is willing to help me get my funds released to my new account. The company that has the XXXX was filed in the accounts for the bankruptcy. The bankruptcy was XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My property tax bill from XXXX XXXX for XXXX is {$720.00}. Because I have an active mortgage, this tax is usually paid by the mortgage holder, PNC Bank. I noticed while doing personal tax research that half of this tax bill for XXXX is still unpaid. The due date for the second installment was XX/XX/XXXX. I have contacted PNC several times. I have been given various excuses for the bill not being, all incorrect. Some staff have claimed there is an " extension '' for taxes for XXXX XXXX. There is no public announcement of any extension and no mention of an extension on the XXXX 's website. I have received no hard copy announcement of any " extension. '' Another excuse I was told was that they haven't received a bill for the second installment. I tried repeatedly to explain that there would not be a second billing because the bank was already billed for both amounts in XX/XX/XXXX. Then I was told the amount would be paid " some time '' this month, but with no explanation for why the payment was not made before XX/XX/XXXX. Late fees will begin accruing on this already overdue payment on XX/XX/XXXX. I have repeatedly told PNC I will not be liable for any late fees. They refuse to acknowledge any pertinent due date or explain why this payment hasn't already been made. I don't understand why they didn't just pay the entire amount last XXXX. I don't understand why they would deliberate let the payment go overdue. I don't understand why they are waiting to receive a " past due '' notice and fees when they've already been billed for the full amount. None of this makes any sense. Why won't they just pay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX ( XXXX Georgia XXXX ) # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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