vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: PA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: IL

Complaint narrative:
On my bank account I have {$940.00} from a resource that I absolutely know nothing about sir-mam ; why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I placed a dispute on inaccuracies on my report and I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has been charging me {$30.00} a month service fee since XX/XX/2020. In XX/XX/2020, I called them and pointed this out, and they agreed to refund the fee that had been charged till then. They told me this fee was because I had a 'premium ' account, even though I had never requested this, and had not used any of the 'premium ' features. Till date, I do not know what these premium features are. 

However, a few days ago, I noticed that I was still getting charged this fee. Since XX/XX/2020, I have been charged a total of {$300.00}, even though I was under the impression that I was not going to get charged this fee again. When I called Citibank, they said that they can not do anything this time. They refused to issue a refund, and asked me to call back again to downgrade access ( since they could not do it on the same call ).

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 2021-02-27 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: VT

Complaint narrative:
In XX/XX/XXXX, Experian lowered my score by XXXX points (! ) because XXXX ( the student lender ) reported my account to be delinquent at the time when I was on the IXXXX Repayment Plan. The reporting was incorrect, which I had all the proof for. I contacted Experian and disputed these wrong " delinquencies ''. They did nothing. I called them to inquire what the problem was/is and their customer service said that sometimes it takes time to fix the problem (?? ). Instead of fixing the problematic reporting ( and looking into the evidence I submitted that there was no way I missed any of these payments because I was supposed to be in the economic deferment and XXXX - submitted all my tax returns for all 3 last years ), yesterday they went to lower my score for additional XXXX points. I have no idea where that came from because on their reporting I do not see any recent delinquencies and there should NOT be ANY. My paying history has been exceptional throughout the years, and my status with the XXXX XXXX XXXX XXXX shows exceptional paying history. Despite this and all the evidence that I sent to prove XXXX  false reporting, Experian did not want to remove these reportings on my account and within 3 months lowered my score by over XXXX points! Even XXXX responded here at the CFPB portal that they made a mistake in reporting ( not for XXXX, although I will complain about that in my next complaint, and I will keep complaining because this is ridiculous ). I want Experian to fix this problem now.

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 2021-02-27 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: PA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
A week ago I received a notice and a new debit card from Cardholder Services for an USBANK XXXX. I never requested this card nor do I have an USBANK account. My understanding when researching online this would be triggered by someone filing for unemployment benefits and the government uses this card as a prepaid debit card. I have not applied for unemployment benefits. 
I did not activate the card. I did not contact USBANK because my research shows it could be a big waste of time. 
My concern is how did my name get used to apply for this card? I also want to get this account cancelled. 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 2021-02-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have ben able to get access to my credit report and neither do some lenders. I have repeatedly contacted Equifax and received different responses regarding the issue. I was told by an agent that I needed to verify my infos by sending some items. I have faxed my informations several times. Depending on which agents you get some say that the informations were received and some say it wasn't. 
I I file complaint with the GA attorney general and the company responded that some of the documents weren't readable. That's contrary to the information that I received from a supervisor who confirmed that all the verification were complete and that it should takes 24-48 hr for the system to update and allow me and lenders to have access to my report. 
For a brief period, some lenders were able to have access to my credit file and some weren't while I am still not able to access ny account. 
On XX/XX/XXXX I spoke with rep XXXX who again confirmed receiving all the required documents on XX/XX/XXXX and that everything looks good on the system. she wasn't sure what the issue may be but decided to escalate the issue so it could get resolved asap. report XXXX Spoke with another agent on XX/XX/XXXX which agent told me that the issue might be due to a down system. report XXXX. The agent also told me that I need to get core credit from Equifax ( free services ) and that should resolve the issue. I am unable to get core care. 
I am recently applied for a mortgage and is unable to close on the loan due to the inability of lenders to access my file. I am in a position where I can loose my earnest money deposit and be forced to renew my rental lease. both situation would cause hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: FL

Complaint narrative:
On XX/XX/2020 I filed a dispute on my credit report. Showing inaccurate and unauthorized accounts and inquiries.

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 2021-02-27 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: GA

Complaint narrative:
Onn  XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.

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 2021-02-27 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's XXXX  days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.

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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Mr. Cooper. At that time my escrow balance was XXXX for PMI. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of XXXX. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of a ( XXXX ), after I had paid for XXXX. Mr. Cooper 's escrow analysis done in XX/XX/XXXX determined that I must pay XXXX a month for an escrow shortage for this year. I have paid every statement on time with the XXXX included. I contacted their escrow dept. for an explanation and got no explanation for the difference between XXXX & XXXX. I will pay the excessive amount for now but want to know what happened between XX/XX/XXXX and XX/XX/XXXX to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I contacted the debt collector Grant Mercantile Agency to pay off my debt. They gave me an amount of XXXX to pay off. I contacted the original creditor ( XXXX XXXX ) to pay the debt off. They then proceeded to contact the Grant Mercantile Agency and the amount had escalated to XXXX. The shock and the anger of raising my debt XXXX dollars in a span of 20 minutes was insurmountable. I got in touch with the billing director at Grant Mercantile Agency, after weeks of phone tag I finally paid the original amount. However I have not received any written notification nor email that the debt has been resolved. Also it is still reflecting on my credit report. My credit report has been updated twice since XX/XX/XXXX. This whole situation has been truly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I filed a dispute about inaccurate information on my credit report. There were unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company did not verify account upon my request. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: PA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: NE

Complaint narrative:
XXXX, TransUnion and XXXX have consistently abused their assumed power of being consumer reporting agencies. I have constantly reached out to all three bureaus and no action has been taken besides being ignored and making excuses of them needing authorization from me. How many times do I have to ask a company to do a job that they are supposed to do. I have been supplying all of the documentations to prove that I am asking you to do your job.This is attempt # 3.

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 2021-02-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's 30 days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
Early XX/XX/2020 Transactions ( from XXXX ) were charged through financial debit card ( Chime ) attached to XXXX account. I contacted the application developers where my statements displayed that the transactions took place. I let them know that permission was not given by myself for the transactions that were made and requested a resolve for the error. The developers teams assured me this would be taken care of as soon as i provided the transaction dates, time, amounts, and the transaction ID 's. I supplied this information immediately. The reply i received stated that charges would be adjusted in 24-48 hours and that I could expect to see the charges returned in 5-7 business days dependent upon financial institution. After 7 days i contacted chime customer support to be told nothing had been credited- I then went back to the developer and they said they needed me to supply the information again- I proceeded to supply information again in the format they requested- once again was told they would take care of it and they would escalate the matter due to it being clearly stated in previous communication that it was going to be taken care of. 7 days go by with nothing being adjusted again. Now being Late XXXX XXXX is claiming its outside of time frame even though i started this process within the time frame, i then proceeded to contact my Bank through chat support and filed a claim through them supplying the same information. Chime opened a claim made the provisional credits roughly 2 weeks later. Upon this happening XXXX deactavated my XXXX play account in response to this claim. XXXX claimed just as they had said prior that they would have adjusted transactions which was clearly another person not wanting to deal with an issue. Aside from this Everything went along smoothly until XXXX XXXX each transaction was recharged to my account when the EIP round 2 was direct deposited. Chime has not responded to my inquiries on the matter for over 30 days and account remains in a negative balance.

Company response to consumer: Closed with explanation