vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 4th NOW TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: OR

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi there, the early part of the month of XX/XX/2020 I contacted comenity bank/big lots, advising them ive been out of work due to covid, the representative explain there was a hardship program that I can pay XXXX XXXX month with no interest. Which I happily agreed. I proceeded to make payment., she set up my payment and advise payment wont be due until XX/XX/2020. I advise her my credit score was over 700 and needed to salvage my credit during this hard times and rep rest assure that i can take advantage of payments and It wont reflect negative on my credit report. Fast forward to XXXX 2020 i notice on my XXXX  XXXX  that there was a late for XXXX, i contacted comentiy again talk to a manager and said they will correct issue and delete late from my credit report. I just recently pulled a credit report yesterday and notice it was not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been calling Synchrony Bank for weeks trying to resolve my payment issues with no help from anyone. I just get transferred from person to person who dont seem to do anything.

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 2021-04-01 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
I submitted disputes for my loan with CNAC through XXXX  3 times and it is still reporting incorrectly. It is showing up as a repossession and discharged in a bankruptcy. This car was not repossessed for more than 2 days. 

This is causing me financial damages due to my credit score dropping. 

It states that the account was closed on XX/XX/XXXX and opened on XX/XX/XXXX. It is also reporting as closed and paid off XXXX XXXX 

The last report was XX/XX/XXXX ; however, I have been making payments since then. 

Based on how they are reporting, they are collecting a debt on a vehicle loan discharged in a bankruptcy which was XXXX XXXX paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CO

Complaint narrative:
Our loan has been on forbearance since the beginning of the COVID-19 pandemic. 
During that time, XXXX XXXX XXXX XXXX mistakenly reported us as over 30 days delinquent on three different occasions. From when I understand, they have removed it but it still caused a hit to our credit score and was a waste of time.

We have since paid off the loan and hope to have it closed shortly. 

My purpose for submitting this is not for a resolution but to document that XXXX XXXX XXXX XXXX is incorrectly reporting delinquencies while on forbearance. 

Thank you, 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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
On XX/XX/2021, I received an e-mail alert from XXXX  credit bureau that a delinquency notation was placed on my credit report by Convergent Outsourcing ( XXXX, WA, XXXX ) that an unpaid XXXX  bill was overdue, in the amount of {$3200.00}. I contacted XXXX on XX/XX/2021 and was told that my social security number ( SSN ) is not on-file with them, because, I have NO ACCOUNT with them. In addition, and most relevant, I DO NOT OWN a mobile telephone. XXXX instructed me to contact my local police department and report said fraud. I contacted the XXXX County Sheriff 's Department ( Maine ) and reported the fraud to Deputy XXXX XXXX  ( Case No. XXXX ), who advised me to contact your agency. I have attempted to contact Convergent Outsourcing and was told that they receive all information from XXXX, concerning my debt and SSN, BUT XXXX does not have my SSN, because I never had an account with them! Convergent Outsourcing offered no help in this matter! Therefore, the question is : how did Convergent Outsourcing report my delinquency to XXXX, employing my SSN, if XXXX does not possess my SSN and could not have given my SSN to Convergent Outsourcing? Would you please assist me in removing this delinquency notation from my XXXX  report. 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 explanation
Consumer complaint received 2021-04-01 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: AL

Complaint narrative:
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).

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 2021-04-01 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: AL

Complaint narrative:
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitaPlease remove all Inaccurate addresses immediately as they are unlawfulble for legally binding contracts or credit accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: WA

Complaint narrative:
Tired of wasting my time and spinning my wheels to get this fixed! My issues with all credit agencies have fallen on deaf ears. 

Two Auto loans were PIF and I refinanced with another Loan company. TransUnion has continued for two months to report this information incorrectly. The have NOT corrected the errors on my credit report at all. See photos attached. 


The have increased my debt load by 33 % on my account page as well giving a false and damning picture of my credit. My credit is stellar!!!! Not what TransUnion and its false information is portraying. XXXX XXXX and XXXX XXXX have both already reported the Pay Offs on these accounts, however, TransUnion continues to increase my debt load on my report and post false information ... ..for TWO months.

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi My name is XXXX XXXX XXXX. 

I operate an account with PayPal with Reference ID : XXXX. 
Recently Sat, XX/XX/2021. XXXX XXXX, my account was blocked and I received a mail stating that I can no longer use their service also my funds are going to held for 180 days. 

I was surprised since I have no issue with any of my clients who has paid us via PayPal. we offer a fair service that only accepts payment once our clients are satisfied with our service to them. 

Since the mail stated that I violated one of their rules and I wasn't sure which one was it, I mailed them and I was told that my documents didn't match information on their platform. 

I sent them a mail trying to explain what happened and they haven't gotten back to me ever since. 

I have attached the conversation with them here, And I am hoping to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NJ

Complaint narrative:
Hi, my complaint is against Trans Union and XXXX. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

THNAKS

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 2021-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to correct my birthdate with Equifax. It's been over a year and they still haven't made the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recieved an email from Bluebird by Amex, telling me me that my account had been permanently closed after 7 years of use, for no reason, and that I needed to write them a letter just to ask a question! There are several XXXX dollars in the account from my federal imcome tax and unemployment. I desperately need this money and now it has basically vanished and the customer service rep I spoke to told me they couldnt give me any information and that they can legally keep my remaining money. Its outright theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX {$1200.00} {$370.00} {$150.00} $ Was paid out to me from XXXX Mobile deposit them froze my account after XXXX release the funds Im lost saying that they cant send my funds I still have the paper checks that were sent to me via Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi, my complaint is against XXXX XXXX and Equifax. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

THNAKS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
i took a line of credit with monthy payments, after i thought i paind the loan off they said it was all intrest, thats not what the loan offiver said i resurched and found out it was 399 % intrest and nothing went to the principal and thats not what i was told, also i call and asked y they didnt tell me it was all intrest and the represenative said we gotch ya

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Credit Bureau of the South, Inc.
State: TX

Complaint narrative:
The company name is Delinquent recovery phone number ( XXXX ) Ive called the company about 7 or more times because they are reporting falsely & negatively on my credit report, the account has been paid in full for almost a year all of the staff members are extremely rude and have refuse to offer me any proof of payment, resolution, or to call the credit bureau number to verify/report accurate information and also has refused to report accurate information to the credit bureau. Please help this is an extremely unprofessional company that is operating illegally. They are purposely reporting inaccurate info to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CL Holdings LLC
State: PA

Complaint narrative:
This company has yet to respond to any of my letters requesting documentation regarding an account that is reporting to my credit report. I sent a letter on XX/XX/XXXX and XX/XX/XXXX and have yet to receive any documentation regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2020, all my accounts were closed for no reason per Bank of America and, so they state that they have a right to close an account for no reason, I do not agree to that I've had my account opened with them for many years and never had an issue, I had a friend that asked me to do the favor of accepting to have his unemployment check deposited to my account of which I authorized and the bank automatically flagged it as fraud, My friend does have all his proper documents to show proof that he is entitled to that money, as I had mentioned to the rep at Bank Of America, not only that my grandmothers funds were also taken wrongfully and its her only base of income, every time I call it's a different excuse and I can't get a straight answer or speak to someone directly who can give me a time frame.

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 2021-04-01 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021. 
We have declined your application. 
Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX  XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX? 
Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX? 
Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX? 
Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX? 
The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked. 
I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ). 
TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
All of the sudden today, XX/XX/2021, I tried to login to my online account as usual and it happens to be blocked by TDBank. They require for me to go to the branch with covid-19 pandemic to witch I refused and requested for all my funds to be sent to me in a check and my account with them to be closed, they said they won't do it so now they have my money that I need for my family and they won't send it to me. 

I also requested a video call and they said no. I don't want to meet with anyone since I have insuficient inmmune system and contact during pandemic is not good. I would like for them to unblock my online account or send me my funds via check and they are no helping me, it is very frustating in this hard times for me and my family. 

When I tried to login my password did not work, they blocked it. TD Bank can not keep my money just like that. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response as of yet. I feel as if I am being taken advantage of and being ignored regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you have caused me. My information was also impacted by the Equfax data breach and may have gotten in to the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I tried to use my card on XX/XX/21 at XXXX XXXX restaurant for approx XXXX and card was declined, tried to use the card elsewhere and still declined. I was not able to log in to my account either. I was finally able to reach them by phone and was told my account was under review. Next day got an e-mail that my account was suspended and I have no way to get my money from the card over {$6000.00} I can not withdraw, purchase or anything and they will not help me the only phone numbers they give just ring and can not leave a voicemail. My paycheck is also deposited to this card.

Company response to consumer: Closed with non-monetary relief