vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

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 2021-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: TN

Complaint narrative:
Sallie Mae dropped the ball with the repayment plan and did not do as they stated they would to fix the incorrect information on my credit and my co-signers credit report. 
When calling to resolve the issue there was a run around, never speak to the same person. Ive reported it to the credit bureaus as a dispute and they deny it and still will not fix the information. 
I have proof that Ive been paying monthly in a repayment plan since the 60 days they claim Im past due. They stated on the phone that this would NOT affect my credit. And lied and it has. I am unable to get a lease to live, or refinance. This is affecting my life negatively over their mistake

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I deposited mistakenly {$300.00} into a closed account. I had the money at XXXX of XXXX and transferred I thought into my personal account. I was mistaken. XXXX had linked it to a closed account. I have filed several missing funds request with the bank ( 6 reports ) and have made several more trips to my local bank. All to NO avail. I'm a senior citizen on a fixed social security income. This XXXX is needed for basic living expenses. I've tried for 3 months to recover my money. The bank informed me that I need to go back to the bank yet again and complete yet another form. I need your agency 's help. When is a XXXX XXXX dollar bank can hold someone's money and keep running a senior citizen around in circles for NO reason? Just give me the money due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I could not find the proper issue Im having. During the 2020 year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by 50 points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of rotten and greedy credit companies.

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 2021-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from XXXX saying they purchased a debt from capital one for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: TX

Complaint narrative:
XX/XX/XXXX my husband and i applied for a house loan through American Financial located in XXXX. At the time the rates were fair and our credit was decent. I advised them that we would be working on our credit so that we can get a better rate when it was time to close. We worked on credit and end having a high XXXX 's for both my husband and I but still ended up receiving a 5.125 interest rate, when at the time they were 4.22 closing XX/XX/XXXX. The company never offered to buy the rated down or pull the credit to see the improvement to offer a better rate. Also the initial closing doc was a different amount and I thought when we closed the amount couldn't be higher well the note went up an additional XXXX which was not acceptable. When I brought this to the lender XXXX XXXXXXXX XXXX attention and the processor it was like I didn't know what I was talking about and they told me they underestimated different amounts. For two years we paid our mortgage with a 5.125 interest rate. I attempted on several occasion to get home refinanced and was given the run around with XXXX XXXX. I feel as though we were scammed by American Financial. The loan was sold to XXXX XXXX in XXXX. 

The document provided was the first closing doc and out not was not XXXX, it increased to XXXX, there was never a mentioning of a rated lock especially not at that high rate. 

I also have emails and credit reports that I can provide but didn't want to attach because it has private information on the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: MO

Complaint narrative:
I received my credit report from Equifax and I disputed my personal information. Therare inaccuracies with my personal name and address. I also submitted copies of my driver 's license, social security card and utility bill as proof of residence. 
My legal name is XXXX XXXX XXXX and Equifax is reporting my name inaccurate as XXXX XXXX XXXX as a former name and my middle name doesn't change no matter my status. 
I also believe the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX Belong to someone with a similar name but are inaccurate on my credit report. My address for years have been XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: NY

Complaint narrative:
XXXX is not updating my credit report. How is that XXXX has the same amount of credit accounts that XXXX have and my XXXX  credit report not being updated. XXXX scores XXXX and equifax is XXXX. It's obvious that XXXX is not updating properly. My financial opportunities and future financial growth is not favorable and sends a confusing message to future creditors. As a person of XXXX these discriminatory disparities is unfair and this is an honest attempt to remedy these contant and consistent acts of XXXX who continues to blame the creditors. The creditor are updating on XXXX who has the same accounts as XXXX. This feels like a scam and if not corrected I will be false to bring legal action.

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 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I could not find the proper issue Im having. During the XXXX year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by XXXX points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of XXXX and XXXX credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

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 2021-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. 

When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. 

I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. 

I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. 

I am looking at the list of charges sent, and I do not believe this is accurate. 

I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. 

It shows my total charges of services received totals {$370.00}. 

{$370.00} - {$90.00} - {$50.00} = {$220.00}. 

I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The original creditor XXXX XXXX  BANK for this collection account sent me a letter dated XX/XX/2020 stating that they are not holding me responsible for said account and will request that this tradeline be removed from the consumer reporting agencies. This said creditor instead sold it to a collection agency and now it's reporting on my credit as a collection. This has never been my account and was part of identity theft and the FTC report was sent to said creditor XX/XX/2020. I have not been able to contact XXXX XXXX Bank and Midland Credit ( THE DEBT BUYER ) was so rude I got nowhere with them. All I'm asking is this be removed from all my credit reports as this is not my account, has never been my account, and was held not responsible via original creditor. I also have said letter if a copy is needed for verification. 

Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Although this complaint had already submitted ( XXXX ) - I now have a response from the vendor stating that they never received the funds in question. Citibank has also reapplied the donation charge and since I had funds come back to me from canceled vacations - they have taken the FULL AMOUNT that has been in dispute. Even with my documentation, CITIBANK has closed the dispute- although it has not been resolved. 
They were alerted within minutes of this mistake and have not taken steps to reach a resolution. 

On XX/XX/XXXX we tried to make a DONATION of XXXX  British pounds to XXXX XXXX ( Located in XXXX XXXX ) from a mobile device on their site. Unfortunately, a mistake was made by entering a comma rather than a period and the donation became XXXX pounds vs/ XXXX. Immediately upon a confirmation email was received - within minutes of the transaction we immediately called CITIBANK to reverse and stop the transaction. We escalated to a supervisor and were told that the only way to stop it would be to cancel our card. Reluctantly we agreed to do so. A new card was received but the charge appeared on and off the statement for the next billing cycle. Repeated calls to Citibank resulted in no help. We contacted the XXXX XXXX by email on XX/XX/XXXX and received an understanding acknowledgment and an offer to help. After another call to Citibank, we were told to contact the vendor and ask for a letter to be sent to the Disputes Dept. We did that on XX/XX/XXXX but never received an answer. Three letters were received from Citi ( XXXX XX/XX/XXXX ) - all, in essence, denying our claim. We submitted the emails and filled out a form that they asked us to on XX/XX/XXXX, however our last correspondence on XX/XX/XXXX, indicated that the vendor 's bank referred to the terms and conditions and our dispute was closed by Citibank as they say there is nothing else they can do. After another reach out to Citi and the vendor we have not received any response and the charge has been put back on our CCD. Don't know what else to do as we have tried to do everything we have been advised to do. Each Citibank agent tells us something else and ultimately nothing gets resolved. Can you assist? 
WE have now provided the most recent email from the vendor ( XXXX XXXX ) stating they have never received the money in question. Dispute # 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 2021-05-30 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
My name is XXXX XXXX and I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and I credit and social security was used for them years and I don't recognize any transactions from those years I was in prison

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account has been paid in full on the XXXX  of XXXX.However, the payment was received on the XXXX of XXXX and they claim to never received it.Every XXXX  of the month the creditor updates my credit report.But for some reason they are refusing to update my credit report accurately since Ive paid this car loan in full.Am due to sign off on a purchase house and due to the creditor and reporting credit agencies willfully targeting me because I am XXXX I wouldnt be able to do so.This is right out discrimination.I need that account to be reported as paid in full.

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 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
After having cashed several checks with no problems over the course of a few months. Ingo decided With no just cause, that I was " possibly '' trying to cash fraudulent checks. They had no reason whatsoever to come up with this conclusion as the checks I did successfully cash were all valid checks, were never returned, and I never made any such attempt at commiting any so said fraudulent transaction. When I contacted their customer service as to why they came to this conclusion I was provided with no valid reason other than " just because we can ''. The company advertises a service in which they are either too scared to provide or for some other reason just don't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: GA

Complaint narrative:
On XX/XX/21 a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my Equifax, XXXX, and XXXX  reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.

Company response to consumer: Closed with explanation