vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2022-01-05 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: FL

Complaint narrative:
I have attached XXXX accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I booked a flight through Chase travel last year but had to cancel due to XXXX. My best friend booked the same exact flight with me as we were going together onto the trip, but directly through XXXX XXXX and got her full refund travel credit and used it with no issues. After XXXX hours on the phone the representatives told me that only {$1.00} of my {$230.00} credit would be able to be used and could not give any sort of explanation. They offered me {$100.00} rewards credit but that is losing more than half of my value for no reason other than Chase is taking my money. I declined and ended the conversation due to extreme frustration to try again another day. I called again and the representative lied to me and said they were booking a main cabin ticket because he was not able to book a basic economy ticket that I was looking at online for {$150.00} and instead booked one for about {$350.00} and change and it was more expensive because it was main cabin ( a better ticket ) and that was all he could do. He lied and upon checking my booking online at united.com the booking is still available for {$150.00} and I checked through Chase travel and it is still available there for {$150.00} and doesn't even give me the main cabin option, and he actually booked a basic economy so I can not even bring a bag on board! So he essentially took even more money from me as I paid the {$110.00} difference in ticket prices but actually gave me the lower priced basic economy ticket with no carry on bag even. The representative has lied to me and wasted my time XXXX hours later from yesterday and today please help me. I have called so many times and have tweeted them and no one at Chase cares to help, just take more money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: VI

Complaint narrative:
Company : Shellpoint XXXX XXXX XXXX XXXX, SC XXXX Loan # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX VI XXXX XXXX Borrowers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Modification Process XXXX* didn't provide accurate information XXXX* received documents as requested and had issues with the signature of XXXX XXXX XXXX XXXX Didn't give the proper address to resend revised documents XXXX* Asked us to provide a Quitclaim Deed to have my name removed but later rescinded that claim. ( please listen to recorded phone conversations ) XXXX* Told us because the modification is in the process we will need to pay after it's finished XXXXWill there be late fees or show up on my credit report XXXX* answer- No! 
XXXX Some of this can be backed up through emails XXXX* My credit report is showing 60 days late XXXX* We will fix it, but never did. 
XXXX* Today- My 60 days late wasn't any fault of theirs. 
XXXX This is unfair and unprofessional, especially when you have recorded conversations and you make it a point to notify the customer. Their representatives should not be allowed to misrepresent the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, I paid my first payment on my XXXX XXXX XXXX to Ally Bank. After making this payment I was instructed to choose the date I would like my monthly payments to come out on, I selected the 4th of every month. The next day on XX/XX/XXXX, a payment of {$340.00} was withdrawn from my bank account by Ally Bank, resulting in my account becoming negative {$270.00}. When I called to request they refund me, I was blamed for choosing the wrong date, and then told that the only thing they can offer is a check within 15 days, and they suggested I call my bank to put a stop payment on the amount. I informed the woman that the payment had already left my account so a stop payment wouldn't work, she assured me I was wrong. She told me to chose which resolution I wanted, the 15 day check or to call my bank. The woman was rude, again told me she was sorry but there was nothing she could do. I informed her that I have other bills that need to be paid, and she again offered me a 15 day check. This is my first experience and it was awful, and now I am behind on other bills because of their carelessness. After calling my bank, I was informed a stop payment couldn't happen due to it being out of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NC

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. Experian shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Debit card expired and I didn't receive a new card. The bank will not let me into my account to review deposits and pay bills until the new card arrives. XXXX, the customer service manager said it is Citibank policy to not allow customer access to their checking account unless they have a valid debit card. I'm unable to log into verify year finances and pay bills.

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 2022-01-05 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: WV

Complaint narrative:
I have had an exceptional payment history for at least 10 months now after a bankruptcy last year. No missed payments, paid a loan off and picked up another small one to continue to help build my credit. My credit score dropped by 20 points last month for no reason whatsoever. I have called and tried to get them to explain and they told me they couldnt because they were not qualified to do it. I am under the impression that they are trying to get a little retribution because I sent them a couple of letters, emails, and made some phone calls to try and make them do their job or we would be meeting on the inside of a XXXX XXXX XXXX to let a judge figure it out and they are making an attempt to retaliate against me for it. I made a point to tell them that I am very serious about my credit file now that I have went through a bankruptcy to get a clean slate. Apparently they think I am joking. I missed 2 payments on a car loan in XXXX and XXXX of XXXX but since I havent missed a payment on anything and my credit score has been going down regularly over the last several months. I have had to contact them 5 or 6 times over the course of the last year to try to get information corrected and investigated and they have literally done nothing. They are always wanting to tell me they are reporting what is being reported to them but I am calling my creditors and they are giving me the dates of every time they report to the credit companies but the credit companies will go three or four months sometimes without updating my file with the information that my creditors are giving me and only after I call and complain or dispute are they forced to do their job and at times they still do not do it. I think they should be thoroughly investigate and criminal complaints need to filed against them I will be more than happy to put my signature to them. I have had quite enough of their garbage and they have been warned by me personally several times. I would appreciate anything the CFPB could do to help me in this matter. We will be visiting court if this can not be resolved through this body but I am doing my due diligence to try and get things taking care of before the papers go out. 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 2022-01-05 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: LEXISNEXIS
State: TX

Complaint narrative:
So much is going on and I have been trying to get my credit fixed for so long, it's so much that pops up that I try to get disputed from all three major credit Bureaus ( XXXX, XXXX and XXXX ) as well as other consumer agencies. I have never personally met anyone employed at the companies but yet they judge me and hurt me, my peace of mind and my well being because they deem me to be less than worthy. I'm tired of trying to properly read, understand, dispute everything contained within all of my reports, especially inaccurate, unauthorized information. My name has always been XXXX XXXX XXXX XXXX name is XXXX ) but every time I dispute something because the name is wrong, the amount is wrong, the account history is wrong or does not belong to me, debt has been sold, HIPAA has been violated... they feel that it's ok to defame and slander my name and reputation. Why is it ok for them to practice and perform unscrupulous values, biased beliefs and judgements against me?? I'm tired and I'm frustrated, my mental health is suffering severely in trying to rectify and correct all damage done by their false reporting and distribution of information without my consent, expressed or implied. I don't hate people but I hate that businesses can disrupt reputations and cause adverse effects but it's ok and they get away with it and I'm just supposed to calmly accept it because they want to give it to me. My character, my life, my history and circumstances feel as if this is a form of manipulative XXXX and harassment. Please stop falsely reporting things and accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
XXXX I am attaching my Drivers license, my social security card and XXXX accounts which I noticed recently when checking my credit that are not mine.

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 2022-01-05 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: FL

Complaint narrative:
XXXX I am attaching my Drivers license, my social security card and XXXX accounts which I noticed recently when checking my credit that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.

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 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I moved from XXXX XXXX in XXXX XXXX, La in XXXX of 2021. I have Email and Written letter proof where I advised the leasing office I would not like to renew my lease on XX/XX/2021 and I would be moving. They proceeded to place a collection debt and eviction on my credit for {$930.00}. While living there the rent was only {$740.00} which I paid for the last month I was there. I tried to call and speak to the leasing office and property management in regards to the issue where I was met with push back and verbally offensive treatment. They were not willing to tell me why they felt this was my responsibility. I am looking to have these false claims removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My loan with XXXX  XXXX bank was given to the Midland Credit company for collection and I arranged a payment plan with this company and paid an adjusted amount and last last payment on this account being on XX/XX/2021. The Midland account number is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I spoke with a representative with the Midland Credit co. and he stated that their records indicate it was paid in full on the aforementioned date. 
I would like for this discrepancy to be rectified as I am desperately trying to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, TransUnion, and XXXX. 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 2022-01-05 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: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, XXXX, and Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I completed the logon process to my Bank of America account and proceeded to pay additional principal on my mortgage. The only option available to me was to pay the next mortgage payment plus a maximum of {$5000.00} additional principal. Bank of America applied the payment on XX/XX/2022 and charged me full interest as if it was paid on the normal due date of XX/XX/2022. This is deceptive to say the least. This mortgage will be paid off well before XX/XX/2022. I wonder how many people have been overcharged as a result of this? I would expect this to be illegal. If it is not, it should be! An audit should be performed, and Bank of America should be forced to refund any interest it overcharged mortgage customers with their fraudulent website. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX Bank of Americas case # 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 non-monetary relief
Consumer complaint received 2022-01-05 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: NJ

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.

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