vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: AR

Complaint narrative:
I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe XXXX a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

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 2020-08-15 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: AR

Complaint narrative:
I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was XXXX however the Collection Agency was XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: AR

Complaint narrative:
I had a secured XXXX XXXX in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to XXXX and mailed them by USPS delivery confirmation mail to XXXX, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 
Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the XXXX account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my FICO scores are close, but due to this negative, they are not close enough. This one negative from XXXX is killing my chances of getting the loan. If I still owed XXXX money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

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 2020-08-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This complaint is against Experian. 

Over the course of the past 90 days I have made a series of attempts to resolve reporting issues regarding an old XXXX XXXX account XXXX. I recently pulled a copy of my annual experian credit report, and found inaccurate data was being reported regarding this account - it appeared the date of last activity and type of account was improper.I submitted a written dispute to Experian via mail, on XX/XX/XXXX I received notification the account was updated and results were available. While Experian did properly update the account type, Experian updated the account to show it is a new account, and more over, a newly delinquent account. Experian re-aged this account which is illegal. I have signed up for multiple third party credit monitoring services, and Experian is reporting the account the account now as actively delinquent, stating I have a new 30 day late missed payment now consecutively each month. My credit score is dropping each month due to Experian re-aging this account, and further reporting new 30 day lates each month. I have contacted the data furnisher XXXX XXXX, whom states they can not offer any solution and that I must address the issue with Experian. I have written Experian multiple times and going past 30 days I have received no response. I have tried to call Experian customer service, however due to Covid they are not taking phone calls at this time regarding this matter. This account in question, was an account included and discharged in a Bankruptcy in 2018. There should be no question as to the fact that the account has a XXXX   balance, and additionally can not suddenly become actively delinquent 2 + years after having closed and included in a bankruptcy. I have asked numerous time to have the information corrected or the account removed from my credit report. Experian is damaging my credit score as a consumer. I recently applied for an auto loan, and was denied by the underwriter due to a newly delinquent trade line on my report. I have had to ask for reconsideration due to the fact I can prove the account was included in a bankruptcy petition and is not delinquent, however even at that point, this inaccurate reporting has caused my credit score to drop significantly, so I am now in a credit tier in which I will be subject to a much higher interest rate - which costs me as a consumer more money due to Experian 's negligence. 

Please help me resolve this issue. Each month my score has dropped to due this matter, and I am afraid as a consumer this will continue for an indefinite period in which I will have to obtain costly legal counsel to resolve their wrong doing.

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 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Tue, XX/XX/2020, XXXX XXXX Website Generator XXXX wrote : If you want to jump start your success online, we have a special one-on-one consultant for you. 
Just call this number to speak with your personal mentor. XXXX XX/XX/2020 I called and me and the consultant decided that I need a refund for {$48.00} & {$100.00}, because there is no app and the story about XXXX in the living room building the website that would later become automated to 300 people was false and/or misleading. And because my credit score is Very Poor. Also payments show as initial payments, please cancel any and all subscriptions or automatic billings. 
Yesterday, XX/XX/2020 I received a charge for XXXX from " XXXX '' for " XXXX XXXX XXXX '' for {$97.00} & {$3.00} Contact Info : XXXX XXXX to XXXX XXXX Santander Bank CSRs are claiming that this purchase was made on XX/XX/2020 and related to dispute claim XXXX. I didn't buy anything from XXXX or XXXX XXXX XXXX. And I have not received anything from Website ATM, XXXX, or XXXX XXXX XXXX. 
I would like this dispute resolved as soon as possible. 
I want to know who Santander Bank claims Department spoke to and what they are claiming that they sold to me. 
Otherwise these are scam charges that I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Firstly, National Credit Systems Inc. reported a collection of {$5500.00} to my XXXX account. I totally don't know this collection, it doesn't belong me. I disputed in XXXX and called National Credit Systems Inc. for this issue. National Credit Systems Inc. asked my information including SSN and address, and said that I don't need to do anything except ignore this wrong information. But several weeks later, I received a letter from National Credit Systems Inc.. They asked me to pay this collection. I called them again and they said that the collection is not mine, and this letter send to me by mistake. However, National Credit Systems Inc. reported this collection again to XXXX, XXXX and XXXX after the call. I need to dispute again and again to delete this collection. I suspect that they defrauded my personal information and updated it to the collection. it caused me to fail in the XXXX   dispute. Their behavior damaged my credit, directly causing two extra hard pull, failure to apply apartment and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. 

Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/XXXX. Refunds generally take three to five business days, but may take up to 30 days depending on your banks policies. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, XXXX, XXXX XXXX - XXXX XXXX ET or Saturday-Sunday, XXXX AM - XXXX PM ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.

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 2020-08-15 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: NY

Complaint narrative:
On my chase account ending XXXX they said they sent a notification of account closure but i never received anything. I found out due to checking my credit and seeing that the account was closed. 

I called and all they would say is that a notification was sent and that i could have called and got it reinstated but since i never got it that wasn't an option. 

Chase was less than helpful in wanting to figure out the root cause. They brushed me off and said they sent it and washed their hands clean. I want an investigation to find out why they didn't follow the credit card of 2009 and why they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: U.S. BANCORP
State: KY

Complaint narrative:
I opened an account with US Bank in 2015, when I first started college. Sadly, school taught me everything except financial literacy. I admit I was oblivious to the gravity of the situation I was in. I was taking out loans to go to school but still struggling to make it, so I opened a credit card with US Bank. After 5 years of accrued interest, the account was closed. There was a balance left of {$940.00} out of a {$1000.00} credit limit.

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 2020-08-15 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:
To avoid any unnecessary delay tactics from Equifax, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Equifax believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Equifax   is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Equifax credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Equifax accountable and not let them delay solving the real issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was charged the following interests in the past several months {$0.00}, {$1.00}, {$85.00}, and {$64.00} during COVID-19. I was charged even though I paid full balance on my account. I contacted customer service and was told interest charges can not be refunded since I previously had interest fees reversed in 2019. However, during 2019 I had SRCA and the interests were an administration error that was later fixed. I have completed paid the full balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I have a perfect credit score of XXXX with multiple other credit reporting agencies, such as XXXX, XXXX, and XXXX, however SageStream , LLC lists my credit score as XXXX. I have never missed a payment, and I have a suitable and responsible amount of 3 credit lines. According to them, I do not A. ) Have enough debt experience, even though I've had auto loans paid off and never missed a payment on ANYTHING in 7 years. 
B. ) Limited history for consumer at this phone XXXX what?? ) XXXX XXXX XXXX few bank cards, even though I have 3. I'm not a credit card freak, I don't need 20 credit cards. Is 3 REALLY too few? 
D. ) Length of time accounts have been established too short, even though I've had these credit lines FOR YEARS I have noticed similar complaints about this from MANY other consumers, and this disparity of 230 points has costed me a recent automobile loan, which I really needed. I am filing a complaint because SageStream , LLC is incorrectly representing my credit history, and is costing me financially when searching for an automobile loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
I received a U.S. Bank ReliaCard debit card in the mail. I have not been able to contact the U.S. Bank ReliaCard division, as they do not answer the phones. The card seems to be related to unemployment benefits ; however, I am not unemployed, nor did I apply for this card. My name on the card is spelled incorrectly. I contacted U.S. Bank and was told the ReliaCard is under a different division so they could not help me. They did not have the telephone number for ReliaCard as it is listed on the information I received. There seems to be some fraud taking place and I would like to sp eak to someone to have this 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 explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have an online account with SQUARE to process credit card payments. On or around XX/XX/2020 I did a transaction for {$1000.00} and was told {$300.00} or 30 % of all new transactions would be held in a reserve for 90 days to keep for possible refunds. The 90 days ended today and they have now changed the reserve period to 120 days. Additionally I have had this account over 3 years and I have never had a return or any issues with payments processed on this site. A 30 % reserve for 120 days seems ridiculous. I have used credit card processing by my bank and did not encounter this type of issue. I am closing my account but looks like an additional 30 days before I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In or about XX/XX/2018, I noticed unauthorized ( fraudulent ) charges on my American Express Card. American Express refused to correct the errors for a long time, and began reporting my credit as past due and derogatory. I was finally able to get American Express to credit the fraudulent charges but when I went to pay the balance, I was told that American Express could not process my payment because the account was transferred somewhere else. They would not tell me where it was transferred and would not accept payment. But, they kept reporting it negative on my credit report. I made several attempts after to pay it and all were refused. They will not allow me to pay the balance and will not stop reporting derogatory credit on my report. I have asked them to fix the erroneous reporting and they refused. As late as yesterday, I called American Express to resolve the problem. They transferred me to 3 people and would not correct the credit reporting and would not accept payment. Don't know who has the file. I'm trying to refinance my home due to COVID-19 money constraints and can't refinance because American Express won't correct my report and won't even tell me the balance or how to pay it. The derogatory reporting has dropped my credit score over 70 points. Please help.

Company response to consumer: Closed with explanation