vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This was a credit account with Chase that I had for 15 years. The card recently had a XXXX  balance. I did not use the card for some time and I come to find out that they closed the account without any notice to me whatsoever. 

Given the long-term implications of credit account closure on an individual 's credit rating, doing this to a customer with no notice and no option to intervene is completely inappropriate and in fact, punitive. I will have to deal with the impact of Chase 's decision on my credit report for nearly a decade and I've done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked on my XXXX XXXX and it told me i had a collection i had never seen before from Connecticut. When i Disputed With Experian they told me that it came back as mine when i asked them to verify the information they refused and told me they did not have to dispute my case over again. 

please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There is a collection that keeps showing up on my report literally every other day. Portfolio Recovery. I have attempted to contact them with no response. I have no open accounts or collections. All my debt was paid off earlier this year. This is not my account. It needs removed asap. They respond to no emails or calls. I've had no mail received. I'm assuming this account may belong to another person with my name. Again, it needs removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: MD

Complaint narrative:
My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX  XXXX XXXX XXXX which is a very serious violation of the Fair Credit Reporting Act. I have a proof showing that. I have sent a letter to Experian on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Experian has still not replied to me and keeps reporting this inaccurate account to my credit report. In addition of being re-aged the XXXX  XXXX XXXX account shows others inaccuracies such as incorrect high balance, incorrect credit limit and incorrect payment history. How can I be late and on time at the same time? how is this even possible? It is obvious that the XXXX  XXXX XXXX account is inaccurate. Experian had more than 60 days to investigate but it has not done anything. I have attached to this statement the usps returned receipt signed by experian on XXXX XXXX and a copy of my credit report showing the inaccuracies on the XXXX  XXXX XXXX account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
SunTrust Bank holds the mortgage on my home ( XXXX XXXX XXXX, XXXX, NC XXXX ) During construction of my home I needed extra funds to add another building on my property for my elderly mother. I was given a {$300000.00} deed of trust from Sun Trust ( XX/XX/XXXX ). Upon closing on my property ( XX/XX/XXXX ) The deed pf trust was paid off and rolled into my conventional mortgage. I am in the process of refinancing my home and during the title search it was discovered that the deed of trust was never removed from my home 's title. SunTrust has provided me with the
confirmation that the deed of trust was paid ( Satisfaction of Security Instrument ). Unfortunately it was filed incorectly in XXXX County ( i live in XXXX County, NC ) and tied to my previous home. 
I have tried for over a week to get in touch with someone at Sun Trust who can remove the lien against my home at XXXX XXXX XXXX, but I have been tols that it has to go through the lien research/removal department and that unit can only be contacted via e mail or registered letter. I have sent multiple e mails with the original deed of trust and the satisfaction letter to the lien department e mail and have had no response. I can not refinance my home without this issue being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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: SC

Complaint narrative:
There are a significant number of hard inquires on my credit report.

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet.

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but h

ave not removed it despite my request. One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, XXXX  and XXXX  any help here would be greatly appreciate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX  and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX  any help here would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX, I wrote XXXX  and Experian requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX . XXXX  3. Remove all employers from report because I amXX/XX/XXXX. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX/XXXX  OnXX/XX/2020, I wrote XX/XX/XXXXand Experian informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and 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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Rec 'd a pre-approval from Capital One for a Quick Silver Card - See below - Thank you for being a Capital One cardmember. Were pleased with your track record, and wed like to recognize your loyalty with an exclusive offer to apply and earn 1.5 % cash back on purchases.

I applied for the card and was denied - The denial letter states - Based on your application information, income is insufficient for amount of credit requested I did not specify any amount of credit on the application. I called Capital One to ask them what amount they were had listed on the application and they told me that they could not see that amount and I should call XXXX  for that information.

Capital one said I was denied " for the amount of credit requested '' but they can't or wont tell me what amount was requested and I did not put any dollar amount on the application.

The letter for denial is deceptive and misleading as as I do not know what amount was requested, I did not request an amount and don't know what amount was denied.

Capital One transferred me to a supervisor who would not give me the address to write in a formal complaint and said I could only do a complaint on the phone. She told me there was not reference number for the complaint and that was all she could do. Her information was XXXX XXXX. 

I also told her I was recording this call for customer service and she said I was not allowed to record her call by Capital One was allowed to record mine and then she hung up on me ...

They must provide the $ amount request on the denial ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX keeps reporting something on my credit report that I know nothing about. It has really dropped my credit score. Says I owe them $ XXXX {$900.00}. I have no knowledge of account ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CA

Complaint narrative:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I
would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, upon review of my Experian credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Lowe 's XXXX Credit Card/Synchrony bank credit card. When I applied for the card back in XXXX of XXXX, it had a low introductory rate ( 9.9 % I believe, but can not remember for sure ). It was supposed to go up to 15 % after the term was over. I applied for {$1000.00} USD and they have slowly increased my available balance to a current amount of {$4700.00} without my authorization. Recently, I noticed that I was paying {$200.00} per month and the balance was only decreasing by {$110.00} something a month. The balance was approximately {$2500.00} when this was noticed and I since opened a new card from another company to pay them off. When I looked into it, They were charging me interest and a fee for unemployment insurance ( I did not apply for unemployment insurance ). When you figure the current rate they were charging me monthly, it is at 40.99 % ( 25.99 % for interest and 15 % for the unemployment insurance fee ). I researched a bit further back and it shows this rate since before XXXX ( I don't have any records that go back farther than that ). This is an incredibly far stretch from the 15 % that I agreed to. Can someone please look into this company to see if it qualifies for predatorial lending practices? I am aware that I am not eligible to receive compensation for the inflated fees and interest, but I would like to prevent others from having this done to them. An increase of 25 % over what I agreed upon when I accepted the card. I may have missed the correspondence notifying me of the increase. I have excellent credit ( XXXX ) and have had it since before I applied for this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are a significant number of hard inquires on my credit report. 

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet. 

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but have not removed it despite my request. 

One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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