vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Complaint ID XXXX Hello Spoke yesterday with a gentlemen and went over my complaint situation with him and the response I received from American Express, that had no information about my complaint, or how they were going to resolve it. 
Receiving all my statements from American Express, since 2015 does me no good, as my complaint is how they are XXXX XXXX XXXX about when my bank says American Express received my last payment/funds and when they say they got them and applied them to my account! 
Now if they are " attempting to do this to my account ... What are they doing to others of their customers here in the United States? 
If they are just billing others the same way, it is really fraud and I am sure an illegal act! 
See my paperwork sent in from my bank, XXXX, and American Express said receipt of my payment funds. 
They do not XXXX 
I hope the CFPB gets to the bottom of this improper billing and the situation behind it ... for myself and other Americans and how American Express could be fleecing Americans. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I took {$40.00} out of my Credit Card XXXX, TD Card Services charged me a fee for taking cash out of a TD ATM. Additionally for over a year TD Card Services has refused to fix their system to allow me to make payments inside a TD Bank store which is in direct violation of the TD Credit Card Agreement, subsection 2 of section G which is found on Page 3. I was told by Card Services that any TD ATM would charge me a fee to take money out to which I proceeded to the XXXX TD Bank ATM to take {$20.00} out and was not charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 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: LA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-05-26 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On my transunion credit report there are two activities that I did not authorize. Both are somehow connected to XXXX XXXX XXXX XXXX, which from what I can tell is a fradualent credit card company. I have asked Transunion to remove these and they refuse.

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 2021-05-26 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: TX

Complaint narrative:
Dear TransUnion : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The compromised accounts are : Account Account Number Provide Physical Verification Chapter XXXX  Bankruptcy XXXX Fraud Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : The fraudulent items are circled on my copy of the Identity Theft Report. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Police 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 2021-05-26 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: OR

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I requested that QuickenLoans released my escrow account. 

I received my escrow account for XXXX XXXX XXXX, XXXX, CO XXXX. 
I was surprised that I received a refund check for only {$0.00} cents for it. 

Reviewing the paperwork It stated They estimated and I paid you from XX/XX/XXXX to XX/XX/XXXX a total of {$1300.00} But They will ended up disbursing a total of {$890.00} for the entire year. 

I asked what happened with the difference of {$460.00}? No answer was given. 
I asked if the money was owed to me that I needed a check for it. 

Then They told me They were sitting on {$880.00} dollars in my escrow account. 
I asked They paid the remaining taxes for XXXX ( {$250.00} ) that are still due from the escrow account They hold. 
Doing this the escrow account to a balance of {$620.00}. After that, I asked They submitted a check for the balance of {$620.00} after They made that payment. 

Then I requested They closed my escrow account after the last tax payment for XXXX was made ( {$250.00} XXXX and They had provided the money back to me that They are still holding : If it is : $ XXXX {$620.00} this will be {$1000.00} total owed to me. 

On XX/XX/XXXX I paid you {$100.00} for a BPO so They would eliminate my PMI. This was done because the value of the house came back higher than the LTV of 90 % They are still holding the house hostage for, although I paid You {$100.00} for a BPO. 

With this BPO They house was valued at {$95000.00} The original loan amount was : {$53000.00} LTV is : 56.15 %. They are obligated to eliminate the escrow account when the LTV is less than 80 % value. 

I asked They closed my escrow account accordingly after They made the last tax payment for XXXX for {$250.00} and submit a payment to me for what is owed to me. 
I told them I would continue paying for insurance by myself. 

They declined ALL OF MY REQUESTS. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I recently found out that Experian zeroed out my credit score without explanation. My credit score was XXXX in XX/XX/2020. This week, I was told by my bank that my score is now XXXX and that this was the basis for denying my car loan application. How can my credit score go from XXXX to XXXX in less than XXXX months without my having any delinquencies, charge-offs, late payments, or any other derogatory activity on my 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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I received notification via my credit reporting alert of an account being added. I get alerts because of being a victim of identity theft. Upon checking it was an item added to collections by NCA for a XXXX Bank. I contacted National Credit Adjusters and was told I opened this account in XXXX XXXX and there was a balance if {$590.00}. I never opened this account. I no longer live at the address they say it was obtained and I have nor had any knowledge of this account up until that day. I filed a police report and forwarded it to them but they advised I take this step as well. Some of the information that was used to open the account didn't match up to my information either. ... The Collection agency is National Credit Adjusters. XXXX Bank is the creditor the amount was for {$590.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NC

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am back a few hundred dollars on my American Express bill. Like XXXX bucks. I make payments every month just not the minimum. They have called and harassed me daily and have called 4 other members of my family for whom no information has been given to them on their numbers. They called landlines and cellphones of these family members stating why they were looking for and giving up personal information about my account. No one else is on that account but me. The supervisor apologized and claimed they had no idea they have 15 people on one account. Then called me and said they couldn't tell me anything until I varified my name..but have called other members in my family to talk about my business. It's happened now multiple times for each person. Not once, like 3 or 4 times each person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I have asked this company several times to stop contacting me but they still call. The person on the phone is abusive and tries to bully me into paying. I dont owe this debt and have asked them to quit calling every time.

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 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Ive been getting charged a monthly fee for over two years. Its a card security fee that I did not sign up for. I have cancelled it due to an increase in my balance even after Ive been trying to pay it off. Fees have totaled to over {$500.00} which is the cause of the increase in my balance. It just continues to go up. I understand the interest fees, what I dont understand is the card security fees. My total amount paid is $ XXXX/mo and with that payment I noticed I get charged about $ XXXX month which makes my payment irrelevant. I would like to know how I can get refunded on this amount. As I did not sign up for anything besides the card. Its frustrating to know that the balance is only accruing fees and payments are not helping my account decrease.

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 2021-05-26 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: KY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and ignored regarding my disputes. Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days at this point, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I've sent a USPS certified letter to Experian regarding my personal update. Experian has my incorrect address on my credit report. 

30 days had passed, Experian still reporting an inaccurate address on my credit report. 

On XX/XX/XXXX I've sent a 2nd USPS certified letter to Experian regarding my personal profile. I've sent them a copy of my social security card I've sent them proof of my address including my State ID, W2 forum, my residence tenant information, and my bank statement. 30 days passed and they still didn't correct my information. 

I opened a dispute using Experian online services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian refuses to put my correct address, all my accounts on Experian are not reporting as the address listed on my Experian credit file. 


Experian They're potentially violating my rights based on the fair credit reporting act.

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 2021-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone in Illinois fraudulently filed for unemployment insurance on my behalf. That was reported. Out of caution I have placed credit freezes with XXXX and XXXX Experian did not allow me to file a freeze online and asked me to send in a physical request by mail along with highly sensitive personally identifying information. It seems they are making me jump through hoops to file a freeze to discourage the freeze, and it is working. I will not file a freeze with them by mail due to the potential risk of extremely sending sensitive information by mail including photocopied ID cards. And so, influenced by the behavior of their system, I will not file a freeze with them at all despite the risks to my identity.

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 2021-05-26 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:
Hi, I would like to complain about accounts that I have in my profile, XXXXhe point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.

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 2021-05-26 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:
Hi, I would like to complain about accounts that I have in my profile, the point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NC

Complaint narrative:
i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain

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 2021-05-26 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: NC

Complaint narrative:
i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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