vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint concerns Equifax. For some bizarre reason, I appear to be blocked out of my Equifax online account? I keep getting told that my username and/or password does not match what they have on file. This is absolutely IMPOSSIBLE. I am entering all my log in information ACCURATELY. Upon googling this issue, I found out that other people have experienced the EXACT SAME problem. Equifax is doing something, and I want to know what it is and why they are doing it. I asked a relative of mine to log in to their account. They are being told something else : something along the lines of " at this point we can not service this account ''. In other words, they too are NOT allowed to log in to their account. Since I am prevented from using my Equifax account, I can not : a ) freeze/unfreeze my credit file and b ) dispute items on my credit file. This is ridiculous! My Equifax account is associated with email address : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: IL

Complaint narrative:
I was denied a per-approval because of inaccuracy on or about XXXX. 
Between XXXX and XXXX, I requested copies of my credit report and noticed an inaccurate collection from Prince Parker and Associates in service with an XXXX XXXX XXXX collection of {$950.00}. 

On XX/XX/XXXX, the following letter and Certified Mail Receipt XXXX was mailed in response to challenge the validity and requested physical copies and any bearing of my signature. 

To date, XXXX XXXX and XXXX have refused to update this inaccuracy with the credit agencies and haven't provided me any evidence set fort the details of my letters to them. 


On XX/XX/XXXX an official sworn police report was filed with Summit Police Dept XXXX XXXX XXXX XXXX XXXX IL XXXX *Incident # XXXX for Fraud/Identify Theft On or about XX/XX/XXXX a second Dispute with Police report attached was sent to credit bureaus such as XXXX USPS Certified Mail Receipt XXXX On or about XX/XX/XXXX a regular letter was sent to Prince Parker with the additional evidence for Fraud/identify theft and REQUESTING AGAIN for proof of physical documents bearing my signature and validation of documents or service obtained.

Today, I will be sending a 3rd request to Prince Parker and Associates to correct and remove this collection and that all credit bureaus are updated on this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent a payment to the bank to payoff my loan in the amount of XXXX on XX/XX/XXXX. The balance on the loan at the time was XXXX. 

I have not sent any addition payment, I have been calling the bank mortagage department to find out why they have not applied the payment. My mortgage balance is now up to XXXX. 

On the transaction statement you see the payment was received but not applied. I was told on XX/XX/XXXX that by XX/XX/XXXX the payment would be applied and my account settled. 

I have called at least 10 times waited on hold for over 4 hours on some calls. I have only reached a person on the phone 2 times. I been to the branch office three times. Only one person at the branch tried to help XXXX XXXX financial center manager was helping out at the branch office back in XX/XX/XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX. 
Flower Mound, TX XXXX XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$2200.00} XX/XX/XXXX Unapplied Funds Payment {$1.00} XX/XX/XXXX MISAPPLICATION REV Reversal - {$17000.00} XX/XX/XXXX RECORDING FEE FEE - {$30.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00} XX/XX/XXXX Unapplied Funds Payment {$17000.00}

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 monetary relief
Consumer complaint received 2020-10-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was hospitalized in XX/XX/2020 with Covid19 and was unaware that I became late on my XXXX XXXX account. 
When they contacted me to inform me I was late I immediately paid them. 
I requested that they remove the late payment from my credit report because I was a victim of Covid19, but they refused.

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 2020-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
I have been attempting to make principal reduction payments with GM Financial so that I can pay off my loan early and lessen the amount of interest I pay. There is no option to make a principal reduction when logged into my account online. I messaged a customer service associate for help and they told me to just make the payment and message them to apply it to principal. When I then did so they said they would apply to principal but could not provide me a confirmation. I asked how I could verify this and they it would appear on my statement. There is no statement available later than XXXX in my account online and when I view payment history there is no breakdown. Every time I try to follow up with customer service they do not answer my question and when I clarify my question they stop responding. I then tried to submit a complaint on this issues on the GM Financial website and it gave me a message that said my complaint could not be submitted and to call customer service. The problem here is that their customer service will not answer the phone. As a consumer I am entitled to transparency with my account, verification of how my payments are being applied, and account balances including principal and interest amounts, which I am not receiving any of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: VA

Complaint narrative:
Hello, XXXX is reporting inaccurate information on my credit report with Experian. XXXX  and XXXX  is reporting exceptional payment for my account history. XXXX is reporting with Experian negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with Experian as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. 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 2020-10-17 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: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I went into forbearance around COVID and was granted forbearance. I started trying to set a resolution a month in advance ( beginning of XX/XX/XXXX) of the forbearance ending but they said I had to wait, and then seemed to imply that I couldn't start paying the mortgage again even though I said I could. They were non-responsive to the requests to come to a resolution, and when they finally talked with me they made me feel like they may try to start foreclosure for no reason so I paid the entire {$20000.00} at once to cover all payments during the forbearance period. They then reported the whole forbearance period as a late payment and my credit has dropped 100 points because of it. In 20 years I've never had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have been a customer with Ford and Ford credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. Ford reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by Ford that acknowledges the reporting error and internal correction.

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. Ford refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at Ford can do to help.

In 6 years, I have never missed or been late on a payment to Ford. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

Ford told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report XXXX I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have been a victim of loan fraud on XX/XX/30 and lost {$680.00} from my Chime account with XXXX XXXX. I filed a complaint with the fraud dept through the account and they have told me that they cant give my money back. I have also filed complaints with the OCC, FBI, XXXX, and the bank. XXXX XXXX claims that I dont qualify for a provisional credit while they investigate which could take up to 45 days. All I want is my money back we are in a serious bind with that money not being accessible and should be given the provisional credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/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 2020-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX , and XXXX to stop.

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 2020-10-17 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: CA

Complaint narrative:
I have been a customer with XXXX and XXXX credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. XXXX reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by XXXX that acknowledges the reporting error and internal correction. 

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. XXXX refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at XXXX can do to help. 

In 6 years, I have never missed or been late on a payment to XXXX. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

XXXX told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was recently the victim of identity theft. I have therefore been regularly checking my credit reports online through XXXX. However, for several months now, despite initially being able to access my Equifax report online, I now regularly get a message noting that my report is not available online and instead I have to request a report by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CBC Companies, Inc.
State: IA

Complaint narrative:
33 out of 66 months from XX/XX/XXXX to XX/XX/XXXX have different monthly reporting across XXXX, XXXX, and XXXX. 

I have already filed a dispute though CFPB, I have contacted XXXX probably over 20 times. No one does anything about it. 

QUOTE DIRECTLY FROM XXXX " After reviewing your inquiry, we found no instances of misguidance. We reviewed your loan for payment assistance according to our lending guidelines. We found no inaccurate credit reporting for your loan. '' How is it possible to have 33 out of 66 months different between 3 credit bureaus? How is this accurate reporting? How has XXXX done numerous and numerous investigations and have found that they are reporting accurately when there are 33 differences? How is this possible and how is this legal to continue to lie and say its fair credit reporting? 

What good is this CFPB, If you contact XXXX and they say they report accurately and then you close it? Take 5 minutes and look at reports and it shows 33 differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
When after-quarantine shopping on XX/XX/XXXX at Macys I was advised by an associate that I may get extra 25 % saving first day shopping if applying for Macy 's credit card - then I've applied and the application was immediately denied with remarks that I will get an explanation, which i got - see attached. It says that " my previous relationship with Citi affiliates ( sic! ) they decided do not serve me more. When I saw " Citi ( ank ) " I immediately reveal the case : I've had my IRA with Citi Bank for more than 10 years until XX/XX/XXXX, when I got a letter from IRS saying that Citibank reported that in XXXX I've pull out from my IRA $ XXXX and did not pay taxes on that owing to the IRS about $ XXXX on back taxes. As a matter of fact on medical emergency I've took out $ XXXX, but according to IRS rules returned $ XXXX back to my Citibank IRA in 50 days ( less than 60 days required by the law ), while reported the $ XXXX as my income in XXXX tax year. I contacted IRS, they requested the statement from Citi on the return and its dates-attached, and recommended to contact Citibank to correct their iRS reports. I've called Citibank and was told that '' Citibank did everything correct and I am wrong, not Citibank. Then I've contacted the IRS again reported on the conversation : finally the IRS fixed the issue and I am no longer responsible for the Citibank error. Eventually, Citibank had been reprimanded and punished for its wrongdoing and it became the issue that " Citibank affiliate decided to " punish '' me with Macy 's credit card that it manages. If I knew about such Citibank attidude would never shop at Macy 's. But taking into account such an attidude I've decided to complain : there is no other reson to deny : I have credit score 750+, own a house, employed and never was late on any payments for 35 years.

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