vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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: MO

Complaint narrative:
I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Alorica Inc.
State: CO

Complaint narrative:
Disputed this account numerous times and its taken more than 30 days to get a response. 

Systems & Services Technologies/Pioneer is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NY

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 credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I went to hospital and was never notified by said hospital that my insurance was not accepted. 
The hospital hired a collection agency to collect the debt and the collection agency has continued to harass me through phone calls and reporting me to the credit bureau to the point of reporting me 3xs for the same debt. When I look at my credit report this past year XX/XX/XXXX I have noticed that I get penalized for the same medical debt 3xs like they are separate but are only one debt. This has continued to damage my credit though I usually have great credit despite this one medical bill and my current student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NC

Complaint narrative:
All 3 credit bureaus Transunion,XX/XX/XXXX, andXX/XX/XXXX will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ) 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 2020-12-24 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: NY

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 credit score. 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 2020-12-24 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: NY

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 credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bliksum, LLC
State: CA

Complaint narrative:
This collection agency XXXX XXXX XXXX has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from LOAN ME. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by LOANME, XXXX XXXX XXXX nor XXXX XXXX XXXX as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the XXXX XXXX XXXX that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( LOANME ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with LOANME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NC

Complaint narrative:
Experian has wrong names and addresses on my credit file and are making it difficult to have removed, i contacted them about this in the past and nothing has happened

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Prepaid Ventures, LTD
State: MA

Complaint narrative:
I had my XXXX prepaid card closed illegally closed without permission and there refuses to give me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/2020, I purchased a cell phone from a third party seller through XXXX. The purchase was made using my Chase credit card. Upon receiving the cell phone, it became clear it was defective and would not hold any battery charge. I contacted XXXX to initiate a return/refund. XXXX promptly approved the refund so long as I returned the product using the " return authorization '' form which included the third party sellers address. 
I mailed the product using the " return authorization '' form using XXXX with tracking at the end of XX/XX/2020. Per XXXX records, the package was delivered to the seller and signed for by someone at that address. 
I waited, and waited, and waited and still no refund from the seller onto my chase card. 
So, I disputed the chard with Chase in XX/XX/2020. I provided Chase a copy of the return authorization form and the document from XXXX showing the package was delivered and who signed for the package. 
At the end of XX/XX/2020, Chase denied my dispute and said the merchant claimed I never returned the product. I immediately called Chase and reopened the dispute. I also resent the documentation. I also followed up with a phone call to their dispute center and got verbal verification that the documents were readable and included everything that was needed to get the charge taken off the account. 
Fast forward to XX/XX/XXXX, Chase denied the dispute again. According to Chase, the seller said that even though I have proof that the package was delivered and signed for by the merchant, I did not have proof that the merchant actually received it. I was told to refiled the dispute if I had additional documents proving that the person who signed for the package at the merchants address actually worked for the merchant. This would be impossible. I asked to speak to a supervisor. 

The supervisor then said that there was no need to redispute because the claim was so old that they would do nothing. The claim was filed within 30 days of the issue and I have been waiting for Chase and relying on the information they provided. 

Chase has continued to report this fraudulent debt to the credit bureaus affecting my credit score and now they are violating their no hassle dispute policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24 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: IL

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT EXPERIAN IS REPORTING 2 ACCOUNTS ON MY CREDIT REPORT, IN WHICH IT DON'T BELONG TO ME. THE 2 ITEMS I'M DISPUTING ARE BELOW : XXXX AND XXXX XXXX I RECENTLY FILED A CASE WITH THE CFPB CASE # XXXX COMPANY REPLIED BACK THIS : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 


I'M MORTIFIED BECAUSE I WAS THE ONE THAT CALLED EXPERIAN ON XX/XX/XXXX AND SPOKE TO A REPRESENTATIVE THAT ENTERED MY REQUEST IN, I REQUEST EXPERIAN TO LISTEN TO THAT CALL. I AM ON THE CFPB STATING I WANT TO DISPUTE THESE ACCOUNTS DUE TO IDENTITY THEFT. ALSO I WAS INSTRUCTED BY THAT SAME REPRESENTATIVE TO UPLOAD MY INFORMATION VIA THE THEIR WEBSITE, IN WHICH WAS THE POLICE REPORT FOR XXXX, FTC IDENTITY THEFT REPORT, AND MY ID

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 2020-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have requested that USAA grant me additional relief on my autoloan due to Covid-19 as we have been ordered to stay at home again. I contacted USAA o XX/XX/XXXX to ask for another extension. I have made some of my payments during this time, but as of XXXX we are ordered to stay at home again and I am unable to earn an income. USAA denied my request for relief on my payments. I have requested relief twice before and USAA granted it, but again as stated since that time I have made some payments, but again we have to stay at home, which is out of my control. USAA 's refusal to grant additional assistance is unconscionable and I am requesting an investigation into this matter. Additionally, I am a XXXX citizen and this is no way to treat anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Please do not mark this as a Dino are because its not. First my credit union refuses to give back but a small portion of funds stolen. Then Im out of town snd I find out they took my debit card from me because of fraud. Fraud wasnt my fault. I do have just an atm card. Upon getting home I go thru my history and find that my daughters soon to be x husband stole my card and used it. While I was with my ill daughter her husband had cameras set up snd I know thats how he got pin. When you log into their system it asks for a pin. My daughters soon to be x hasnt. Even able to be evicted cause of COVID. This man also stole my clothes snd all my belongings I arrived with. He stole his uncle clean car many times along with his valuables. The police were notified. But my credit union wont help me. They arent giving my money back to me and I dont know why. I am the victim and who are they to say anything but I believe you. I told them to pull camera footage and they will see but they would rather ruin my life. The XXXX they refuse to give back from last hack was for a house which is now gone snd this money was for XXXX which is ruined and I have no money to buy my kids gifts or food for dinner. I get that my luck is back snd thats exactly why he did it. His uncle caught him breaking into my daughters room as we slept one night so I know he broke into mine while I slept snd took my card. I told them to feel free and call the uncle! This XXXX memory I will never get back snd I have changed banks as of yesterday but I will not stop fighting for what was mine and stolen from me. They had no right to tell me Im a liability. That is prejudice snd discriminative towards a victim! I am seekin ball monies that were stolen. Bit for this claim the XXXX! I will find a way to fight for the XXXX they refuse to give back! I also want banks to be responsible with their advertising. They cant say our money is safe then when its hacked they blame us and refuse to give back! Thats not being safe thats just wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: NC

Complaint narrative:
All 3 credit bureaus XXXX, Equifax, and XXXX  will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All 3 credit bureaus XXXX, XXXX, and Experian will not remove the below account from my credit report. A payment and settlement was made in XX/XX/2020. The creditor agreed to remove/delete from my credit report upon receiving payment. To date that still has not been done. The credit bureaus are reporting a payment made but are still reporting it. This should be removed from all three reports. The creditor/collector has not stood behind their word of deleting from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX USA ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America someone stole around XXXX dollars from my edd card, I desperately needed that for bills. bank of America keeps saying they will help and but nothing happens. I have been trying for two months to get my money back. when I call the claims department which takes hours to get someone. they say they will return the money, that I'm not at fault, but what actually ends ups happening is they just close the claim.- never received anything in the end timeline of events- 1. I call - agent says claims will be escalated- received a letter -no fraud case closed 2. I call again- agent says it was a mistake, reopens the case, the claim will be made a priority and I will be getting my money back - weeks go by they close my case nothing happens 3.I call again. agents say they will escalate my claim again - but nothing happens again

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 2020-12-24 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: FL

Complaint narrative:
I attempted to make contact with XXXX XXXX XXXX  in XXXX of 2018 to update and resolve the reporting that was being done on my credit report. There was acknowledgment that both the collector and XXXX XXXX XXXX received my letters of communication and did not update my report accordingly. The current status of the account is not correct and unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable

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 2020-12-24 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: Global Lending Services LLC
State: WI

Complaint narrative:
Global lending services has agreed to remove an unauthorized inquiry from my credit report several times since the incident occurred. THIS IS A HUGE PROBLEM, they are untrustworthy and still have not gotten it removed over a year later. Ive attached a copy of their response to my XX/XX/14 CFPB complaint and a copy of my credit inquiries as evidence to their dishonesty. I have never done business with them nor did i authorize them to run a credit inquiry and this is BEYOND UNACCEPTABLE

Company response to consumer: Closed with explanation