vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I submitted two separate applications for a credit card because an affiliate said I had good to excellent chances for being approved ( XXXX XXXX, XXXX  XXXX XXXX XXXX ). I have not missed any payment since XXXX and I have also resolved 2 accounts that were sent to collections in XXXX. My XXXX  report shows that the XXXX  account that was settled in XXXX and was transferred to XXXX. XXXX   shows that had been satisfied and closed ; However, my XXXX  report shows the account in delinquency and does not show the servicing transfer to XXXX  where I paid the account in full. The credit analyst did not even bother to see the discrepancies on my report. 

Additionally, AMEX stated the reason for denial was : 1 ) Too many credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months. ( XXXX  ) This is completely a lie, if you look at my XXXX  Report it shows that not a single student loan or active credit card has been payment late. I have been making my payments on time since XXXX.

2 ) The maximum utilization on your credit card account ( s ) is too high ( XXXX  ).

Too high? I pay off my credit card bills every month on their due date. Are you serious? Currently, I am using 20 % of my utilization XXXX $ XXXX out of & XXXX ) XXXX ) You have a serious delinquency on one or more of your accounts. 

I have a 100 % payment history since XXXX. Are you serious? I dont have a single account in delinquency.

4 ) The ratio of revolving account balances to their credit limits is too high.

My ratio is 20 % and is going down every month. What are you talking about?!? 

DO BETTER AND FIX THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For both my wife and my Closed XXXX equifax credit reporting showing last payment on that closed account on XXXX which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital One Bank Credit Card which I closed out in XXXX of XXXX. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I ordered merchandise on sale. I was charged full price and tried to get this corrected by phone to an amount 50 % less, as ordered. I had no luck with this correction, so I returned items. After 3 months of trying to resolve this with the company, they still want to charge me {$100.00} for items I returned due to their error and lack of resolution.. They want me to pay for their mistake for {$100.00}. It includes a late fee, a return fee and interest. All that for items that I returned immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I did not receive the letter mailed-by TD Auto Finance at the above address inXX/XX/XXXXabout the last payment due. As you can see, my account was on autopay, so I assumed, like all other payments, the amount will automatically be withdrawing out of my bank account on the file. 
The only letter I received about the last payment due was on XX/XX/. Upon receiving this letter, I promptly paid the amount owing for the final payment. 
Then I received another letter dated XX/XX/, notifying me, We may report information about your account to credit bureaus. Late payment, missed payments, or other defaults on your account may be reflected in your credit report. 
I have always paid all my installments on time, never have I been late. Also, I was not aware that the last payment is made manually. I urge you, and please do not report to credit bureaus of this late payment as this was a misunderstanding and unintentional error. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 
Do not hesitate to reach out to me on my cell ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 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: GA

Complaint narrative:
I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the XXXX  Information Penetrate.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the Equifax Information Penetrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
0n XX/XX/2021, I have sent a letter regrading inaccurate and unknown things on my credit report. Up to this day, it is already over 60 days and I have not received any response yet. I feel like they are ignoring my dispute and taking advantage on me. Section 611 ( a ) it is clearly stated that a failure to investigate these items within the 30 day period gives a reason to immediately remove those items from my credit report, it is over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to headaches and stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NY

Complaint narrative:
1 ) XXXX  XXXX  XXXX XX/XX/XXXX i never authorized this and XXXX is trying to remove this since they did one on XXXX XXXX XXXXXXXX XX/XX/XXXX and the next one is a error i tried explaining that to transunion and they wont help me the following 8 inquiries was never made by me and i told transunion that its fraudulent and they dot want to help me 1 ) XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX  XX/XX/XXXX XXXX ) XXXX 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 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In relation to your response to my claim number XXXX, I must insist. 

To Fifth Third Bank The following check is legitimate and corresponds to a federal student loan, of which I provided information when a bank employee requested it. The bank itself followed its usual protocol to pay me that legal check. 

Your bank closed my account based on information that is not accurate. The professional who made the decision stigmatized me and assumed that the second check was also fraud when it was not. I insist, I was the victim of fraud on a first check and then you took action on a legitimate subsequent check. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: CO

Complaint narrative:
I lived in campus housing my senior year in college. Upon graduation XXXX XX/XX/XXXX ) I closed my XXXX XXXX account. Due to Covid all XXXX retail offices were closed so they asked I transfer the equipment to a roommate who opened a XXXX account to continue internet for the house. I contacted XXXX three times to make sure everything was closed out because I was leaving the country on a XXXX Scholarship to XXXX XXXX, XXXX never tried to contact me concerning any issues. They have my address, phone and email. 

While visiting the U.S. ( XX/XX/XXXX XXXX for a Covid vaccination, I received a text message from CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX stating that I had been sent to collections for the equipment for {$64.00}. 

I was never contacted by XXXX nor Credit management until they sent me to collections and entered a negative entry on my credit report. 

I contacted XXXX, and after talking to 6 different people, the issue was fixed but they said they could not remove the negative comments on my account. They wanted me to file a dispute with each agency instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: UT

Complaint narrative:
Equifax repeatedly keeps ignoring the fact that I've asked them to remove the address circled on the attached page a number of times. Some how they can't seem to read! I haven't had that XXXX XXXX address in more years than even I can remember. Remove it now or I'll get an attorney to help them figure out how to remove it. Last chance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp
State: TX

Complaint narrative:
Lending club automatically withdraw money from my investment account to a saving account but provides no means to access that money. They also have not responded to my email for over 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I bought a new XXXX XXXX XXXX from XXXX on XX/XX/XXXX. They new I had a trade-in from XXXX, it was a XXXX XXXX. They gave me a price and I signed a contract that the loan amount would be a little over {$11.00} and my monthly payment would be {$230.00} a month. The process went smoothed and the looked over my car and I got the new car immediately. I had a 7 day guarantee to return the vehicle as well. They processed my car tag and registration in a matter XXXX or 4 days, it was quick. They setup my account with XXXX and on XX/XX/XXXX my first payment f {$230.00} was supposed to come out. 
XXXX on Saturday I get an email from XXXX from XXXX telling me I had to rebuild the loan that there was an error on their part. They didn't take in to account that I had a l balance on the trade-in and that would affect my payment. I get an email telling me it would go from {$230.00} a month to a {$500.00} down payment and {$700.00} a month interest rate of 19.48 %. I was shocked and called them immediately. They said it was an issue on their part and that they would look at ways to help me. They said they would send me a check for {$250.00} for my incovience. I then waited to hear back on what more they could do. I heard back from XXXX and they were willing to take back the car but I had to get another car with them. The only problem is that they are charging me now 19.48 % interest and that balloons any payments to a high amount. I was looking for something similar car the XXXX, which only had XXXX miles on it an I was paying {$450.00}. Now I would have to get an older car of less value in order to stay around that payment of {$450.00}. I lost a 3.9 % APR with XXXX and now stuck with a 19.48 % from XXXX. They won't let me just give back the car because that would be reported on my credit for 7 years and have a very negative impact. I am trying to rebuild my credit. So I was given an option of paying for the current car, getting another car with XXXX that wouldn't be even close to what I had without it being a lot more in a montly payment, or simply returning the care and having a mark on my credit. I have tried to talk to them for days and with no success they were willing to take off the delivery fee which ranges about {$490.00}. Either way I didn't have a chance to say no, I will give the car back because they didn't even find the error until XX/XX/XXXX. I don't know what to do. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: MN

Complaint narrative:
I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( XXXX XXXX XXXX ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to XXXX, I got a call and a " bill '' from NATIONAL ENTERPRISE SYSTEMS XXXX INC. claiming to collect on the debt that have already been paid. I called both XXXX and National to let them know the debt has been paid in full and yet National continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.

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 2021-05-31 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: CA

Complaint narrative:
I have attached the previous complaint with Experian where I disputed a bankruptcy and two accounts ( XXXX # XXXX and XXXX  # XXXX ) According to my previous complaint the results that Experian stated that would take place is that the bankruptcy would be deleted ( which is was XXXX and that the accounts ( XXXX  # XXXX and XXXX # XXXX ) would reflect paid and closed which is not true! 
Those two accounts ( XXXX # XXXX AND XXXX  # XXXX ) are showing incorrect paid date of XX/XX/2021. I did not pay either of those accounts. They really both showing multiple lates of 30, 60 and 90 days which is not what was stated would take place from their non monetary relief. Lastly, why was I punished by worse inaccurate reporting as oppose to close the accounts and not reflecting they were included in bankruptcy that they had to remove because they could not prove there inaccurate reporting of the bankruptcy. 
How can these accounts which are tied to a inaccurate bankruptcy being reported then deleted from my credit report be reporting included in a bankruptcy they deleted due to inaccurate reporting?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MP

Complaint narrative:
On XX/XX/2021 I contacted Experian 's chat line to discuss their algorithm. My concern is that they are adding and subtracting points based on my use of my credit during a period before the payment is due. I pay 100 % of my balance due each month. I do not use more than 30 % of my available credit line. But, Experian is using the amount of credit on an account that is charged during a billing period. I asked Experian about why this is included in their algorithm and they stated the following : " The algorithm is calculated by an automatic system. However, I insist for you to reach out to a credit advisor. They can give you details about why the score changes on your credit report occurred. '' Candidly, I do not believe that I should be required to retain a credit advisor to provide an answer to the question about changing my credit score based on my balance during a billing period. The balance of outstanding balances due that are in arrears after payment of the balance due should be the factor. If a consumer pays 100 % of the balance due each month, there credit score should not be affected by the outstanding balance that is not due during a billing period. My credit score has been increased and decreased based on the balance during a billing period.

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