vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
They're still reporting a debt from XXXX XXXX and refused to do a debt validation, it still shows collection on credit report even though they agreed it will be paid off once I pay it in full ... I contact XXXX XXXX like they said including the account number in the last complaint. According to XXXX XXXX  they only off Electricity in the state of Texas not Florida ( which they gave me the previous address to contact them ) the address I provided to XXXX XXXX  that XXXX gave me was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX florida XXXX which i gave to the original creditor and they said that address don't exist with XXXX XXXX because XXXX XXXX only exist in texas after being on the phone with them for 15 minutes I tried calling XXXX but they're not getting the fact whoever reported it wasn't from out of state or XXXX XXXX themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: LoanCare, LLC
State: MD

Complaint narrative:
My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house. 

This company has been horrible to work with from the time they bought my loan and now is just horrible.

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 2021-08-09 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: SLM CORPORATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft SALLIE MAE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Today, XX/XX/2021. I contacted Wells Fargo/XXXX XXXX for a credit line increase. They wanted to do a hard credit pull I said no and stated why and then disconnected the call. Roughly two hours later I see that the hard credit pull occurred without my consent. My FICO score went down 7 points immediately ( I check my credit daily ) and it happened right after the credit pull. I called and filed a complaint and they said it may take 10 business days. This was an illegal credit pull and with the 7 point drop in FICO, I have already suffered damages. I would give my consent for you to pull that phone call to review. I would like this resolved with the full force of the FCRA ( 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 non-monetary relief
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
So on these dates XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately

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 2021-08-09 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: MO

Complaint narrative:
A false derogatory mark was added to my credit report regarding a bill that was paid before its due date. I disputed it on XX/XX/21 and it was removed from credit report on XX/XX/21 unfortunately my credit score only went back up twenty-seven points after being knocked down by eighty points.

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 2021-08-09 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: NJ

Complaint narrative:
I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely, and accurate dispute process. The Company is also failing to acknowledge and reply to my many inquiries and correspondences on this matter. Additionally, no one has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My complaint is with Citibank , N.A . for not reimbursing me my credit card reward points as part of a 3rd party seller refund. 

In late XXXX ( this year ), I made a purchase - through XXXX - from a 3rd party seller that's based in XXXX. The purchase was made using my reward points from credit cards accts. ending XXXX and XXXX. To make the purchase I folded all the points into card ending XXXX - and closed XXXX. ( Kindly see below for explanation on why I folded in the points. ) The problem I'm having now with Citi : There was an issue with the product and the seller issued me a refund i/a/o {$620.00} in XX/XX/XXXX. However, when I look at what Citi put back on my points for card ending XXXX, it's only about $ XXXX. A Citi rep tells me this is because very little points were returned to the XXXX card by Citi, for the reason that the points had expired. I'm fine with cut-off dates by which a customer has to use certain points. But when a customer has made a purchase and a seller issues a refund and Citi doesn't want to honor that refund, that's now a catch-22 for a customer since refunds go back to the purchasing card. It can't be right for a seller to send Citi {$620.00} as a refund to a customer for Citi to turn around and only pass on $ XXXX to that customer. 

Why points for card XXXX and card XXXX were combined originally : My original and current card is XXXX. Citi sent me a promo in late XXXX to upgrade to their new Premier Card. When I did this with Citi, something went wrong, then I got all kinds of mixed and conflicting instructions from Citi that ultimately resulted in Citi issuing me two cards ( old and new ), which hurt credit score ( because it was supposed to be an upgrade/ replacement of the one card ). I've attached images to this complaint for your reference. XXXX The reason have images from back then is I thought I would file a complaint about the experience back then - I didn't because I just wasn't physically up to it at the time. ) Due to that frustrating experience and that I wasn't feeling well at the time to be able to stay on Citi about this, I just merged the points into XXXX and cancelled the Premier Card XXXX. The reason I'm relaying this is that, that experience made me lose confidence in when Citi tells me they'll look into something and get back to me. My credit score was hurt, my XXXX shopping ruined ; it was stressful and I was sick at the time so I just let it go. Now Citi is once again telling me they will look into this refund situation -- and I have very little faith that they'll honor my refund.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OUT TECH, INC.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NC

Complaint narrative:
On XX/XX/2021 I woke up and got an email that my account was overdrawn. I checked and there was a charge for {$1700.00} from some type of XXXX purchase that I did not authorize which completely wiped out my checking account and left {$60.00} in my savings account. I immediately went to a local Bank of America branch and was told there was nothing that could be done. I checked XXXX and there is no record of this charge or order on my account. I called to customer service and was told there would be a credit placed on my account within 24-48 hours and when no credit appeared on Thursday I called back and was told it would be escalated. At this time I also requested that my debit card be cancelled even though it was still in my possession to avoid any other issues. Today is now Monday XX/XX/2021 and my account is still overdrawn, and Bank of America has charged additional fees to my account and nothing has been credited back and I'm being told it could take up to 90 days for the money to be returned. This is totally unacceptable and Bank of America doesn't seem to care or want to do anything about it. They said it had been escalated again today and could take up to 10 business days before it is reviewed. Now I have no money in my accounts when there should be over {$1800.00} available and am waiting on a new debit card to be sent out so I can at least withdraw the remaining {$60.00} that's left in my savings 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 monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several address ' listed for me that I never lived at. One of them is actually someone that hacked into my account and committed fraud. The other address ' either belonged to my ex-boyfriend, my ex-husband or my brother, but I never lived there : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX ( my ex-husband lived there ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( my brother lived here ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my ex-boyfriends. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( again this is my ex-boyfriends house. I never lived there ) XXXX XXXX XXXX XXXX, TX XXXX ( this was my brother 's apt ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( this was the person that hacked into my accounts and committed fraud ). I filed a fraud 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 2021-08-09 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have attempted on three occasions to get this issue rectified with Executive Office of Well 's Fargo. I was approved for a three month COVID forbearance plan which ended in XX/XX/XXXX. My payments were to be restarted XX/XX/XXXX. I paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( which was the last payment ). I called the company in XXXX as I noticed the account was not updated correctly with the successfully received payments. Instead, my account was immediately closed and N/A was listed for those months as if they have no recollection of receiving my payment. They are in direct violation of the Fair Credit Reporting Act as this information they are providing is false and the accurate information as not been updated. Failure to correct it is a direct violation of the FCRA. I received a letter from them and a telephone in regards to this situation. The specialist XXXX in the Executive office said " it would take a month or so for the account to update. '' However, that is not true and it has not. I called again and was told I completed a year 's COVID 19 forbearance and that is not true. I have documents of the three month ONLY COVID forbearance plan that was initiated and the ONLY thing that I have ever agreed to with them. I have paid them in good faith for three months and they have refused to update my credit report. They have caused MORE harm by just quickly closing my account and NOT doing what should have been done which is report my account as positive to the credit bureau. However, they would be so quickly to report it if it were negative. I am so dissatisfied and unimpressed by the Executive office at Wells Fargo. It is a complete joke. I called about four weeks ago and was promised a call. No call and no more follow up notices by email. This is insane.

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I strongly, wholly and completely, reject Discover 's recent erroneous, defamatory, damaging and retaliatory action against me and my card account. This is nothing short of gorilla marketing, an outrageous attempt to scare a consumer, to force a consumer to use their product, or else, while they damage my credit reporting with unwarranted changes and restrictions to my account. 

On or around XX/XX/XXXX, Discover solicited me for an account, and set me up with a {$750.00} credit line. While I felt this was insufficient, and after raising this issue with their Customer Service, I figured, in time, I would qualify for an increase with my good credit and payment history. 

In XXXX of XXXX, I received a notice as a result of my good account standing and payment history ( which was perfect ), the announced they raised my credit line to {$1800.00}. 

Before, during and since, my credit report has been flawless. 

I just got notified, that due to my " significant delinquent '' credit history, and because of lack of activity, they have lowered my credit line to {$500.00} ; further, if I don't use the account in 30 days, it would be closed. 

I am shocked. I have been in the payments industry well before Discover was even conceived. Obviously, they still have a long way to go to join the legitimate ranks of Visa and Mastercard operating models.

This is no way to encourage use of a card product, in fact, if they had given me an appropriately credit line to begin with, and not thrown me a bone, which wasn't worth the cost of an inquiry, I might have used the account more frequently. Not all merchants take Discover, so Visa is still the # 1 card product in the US. Yet, I gave them a chance, a few times, to meet my needs for a decent credit facility line. 

I just got notified by XXXX XXXX and XXXX XXXX, both {$0.00} balances, and they have informed me that they are changing processors, but thanked me for my business and to expect a new card in the mail. This is professionalism. This is customer courtesy, respect. 

I just got a home loan in the XXXX XXXX XXXX XXXX on a XXXX dollar property that was paid in full with XXXX  delinquencies. All my card accounts have been paid " exceptionally ''. 

Discover, this is a shame and a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-09 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: MD

Complaint narrative:
My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house.

This company has been horrible to work with from the time they bought my loan and now is just horrible.

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 2021-08-09 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:
I have sent multiple letters and Transunion has still not responded with the information I requested. And they are still showing inaccurate information on my 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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX/XX/XX/2021, I re-financed my my home mortgage. When the refinanced closed, XXXX XXXX  listed the mortgage as " closed. '' It was not stipulated that the loan was paid and closed in good standing. As a result of the closed phrasing, my credit score went down several points. I called XXXX XXXX  to tell them they neglected to accurately categorize the note to the credit reporting agencies. XXXX XXXX  said they'd go back and note the account was " paid in full and closed by customer. '' However, when XXXX XXXX  reported to the credit agencies, they again noted the account was " closed. '' As a result, my credit report took another hit and went decreased further ( went down 10 points -- XX/XX/XXXX ). I called XXXX XXXX  back again and again complained. On the 3rd occasion, they did contact the reporting bureaus and accurately disclosed the account was paid and closed. 
However, as a result of XXXX XXXX  's categorization of my refinance, the my credit score went down over 20 points with the credit reporting bureaus through no fault of my own.

Company response to consumer: Closed with explanation