vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.

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 2020-09-22 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: TN

Complaint narrative:
I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.

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 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against a collection agency by the name of ( Reliant Capital solution ). 
This collection agency continues to perform Slander of Credit, by continuing to harass me, and by placing fraudulent false collection debt onto my credit files. 

In XXXX of XXXX, I had an attorney to write to this collection agency regarding this fraudulent debt that they continue to harass me about. 
( Copy of attorney letter attached ) In XXXX of XXXX, this collection agency was using the name of ( Reliant Recovery Solutions, LLC. ) And now on my credit files they are using the name of ( Reliant Capital Solution ), But that does not change the fact that I do not owe this debt, and they have not removed the fraudulent information off of my credit files. 

They continue to destroy my name, as well as my credit by placing a fraudulent collection amount of {$270.00} onto my credit files, lying and claiming that I owe XXXX XXXX   XXXX XXXX, and this is not true. 

I do not owe XXXX XXXX XXXX XXXX any outstanding debt, but this unscrupulous collection agency keeps ( RE-AGING ) fraudulent dates, and lies regarding this fraudulent collection amount, and placing this false fraudulent collection information onto my credit files. 

Its been years since Ive had anything to do with XXXX XXXX XXXX XXXX, I didnt spend much time enrolled in that corrupt, dysfunctional online school. 

They were in charge of all of my financial aid at the time, I did not leave that school owing them anything, if anything they stole from the Department of Education, because they didnt return all of the last funds that they withheld when I withdrew from their corrupt school. 

This deceitful, dishonest collection agency has again ( RE-AGED ), this false fraudulent collection account onto my credit files, showing a date of XXXX XX/XX/XXXX XXXX, with an update to the collection as of XXXX XX/XX/XXXX ). 

I need your assistance, I do not owe this fraudulent collection, and it should be against the law for this collection agency to continue to ruin my financial life over money that I do not owe. 

I want them to once and for all to clear my name of this fraudulent debt, I want hard copy proof on their letterhead that, that has been done, and I want this unscrupulous collection agency to stay out of my credit files. 
I want them to cease and desist from ever contacting me again regarding this fraudulent debt. 

I want the Consumer Financial Protection Bureau fully involved in this complaint until completion. Reliant Capital Solution can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I initiated a funds transfer from my Chase checking account to my XXXX XXXX XXXX XXXX Checking account on XX/XX/2020 for the amount of {$2000.00}. It is XX/XX/2020 and it is still pending. I contacted the bank several times but they are denying to give me a reason as to why they are holding my funds and not initiating a transfer. This is my money and I find it unacceptable for them to hold my funds without any justifiable reasons. I called at least 9 times and I was either put on hold for an hour or more and calls were conveniently being dropped without any solution. I finally went in-person to the branch in XXXX, CA, but they were unable to give me a reason for the delay in transfer. Out of frustration i am filing this complaint. I need some answers as to why my funds are being held. Please help. Thank you. 

Transfer reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-22 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: AmerAssist A/R Solutions, Inc.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.

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 2020-09-22 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: TX

Complaint narrative:
I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TX

Complaint narrative:
I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, XXXX XXXX XXXX XXXX. but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.

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 2020-09-22 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: TN

Complaint narrative:
Remove the information from my reports

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 2020-09-22 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: AL

Complaint narrative:
On XX/XX/2020 Capital one deny me equal rights. One because my credit score The fact proves my credit worth.Two my credit report prove my pay ment history. They violated my rights under the consumer financial protection bureau law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: MI

Complaint narrative:
Experian has been inaccurately reporting a child support that was charged off a balance. 'first of all it wasn't charged off and second it was paid and there is no balance. I have asked for 4 months to have it corrected to report accurate and it still is wrong.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove the information from my reports

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 2020-09-22 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: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending penny mac to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied for a Home Loan with Wells Fargo on XX/XX/2020. I was contacted the following day by the home mortgage consultant. I had already been pre-approved by Wells Fargo for {$400000.00}. I found a home for {$160000.00} that I decided to make an offer on and started the purchasing process. 

After communicating with the home mortgage consultant through XX/XX/2020 I was then handed off to a loan mortgage processor who began requesting my financial information which I provided. on XX/XX/XXXX, I was told the underwriter was reviewing my file. 

I requested status updates throughout this process and did not receive a response until XX/XX/2020 at which point I was told by the consultant that himself and the processor were working to get the loan approved and closed. 

I was again left without any updates until XX/XX/2020 at which time I was told they " would be in touch ''. I was sent an email about getting a " Rate Lock '' for my loan on XX/XX/2020. 

At no point during this entire process was I informed that my current employment was " insufficient '' for my loan application. I am a veteran who also receives VA Compensation. From my understanding this is also supposed to be considered as regular income. 

I work XXXX  currently for the US Military and according the Wells Fargo this is not a " reliable source of income ''. I do not see how this type of employment is any different than any other employment in an " at will '' state. 

We were set to close on this property XX/XX/2020. We had to get an extension on the purchase agreement because of Wells Fargo not responding to emails or calls about the status of the loan. 

On XX/XX/2020 I was told my loan was denied. The only reason being " employment income is temporary or not regular ''. I have guaranteed VA Compensation and my employment is not any more temporary than anyone else that is employed in an " at will '' state.

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 2020-09-22 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: LEXISNEXIS
State: CT

Complaint narrative:
I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2020, I made a purchase on XXXX totaling {$91.00}. The third party merchant is XXXX XXXX 's. Unfortunately, the merchant is saying the product was delivered to my home address however I never received it. Because I did receive several other packages around the same time, this is likely a case of the shipping provider marking the item as delivered but accidentally left it in their vehicle. 

I initially tried to contact XXXX to work out with them but they refused and told me to file a chargeback with my credit card company ( attachment # 1 ). 

I've tried twice to file a dispute with American Express but they continue to rule against me. 

I DID NOT RECEIVE THE ITEM. The item was either left on the vehicle and mark delivered OR the box was stolen. Either way, I REFUSE to pay for an item I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
After not using this Amazon /Synchrony credit card for years ( 3-4 years ), I all of a sudden got charged {$13.00} for the XXXX billing statement. I called them and told them that I have not used this card and this is obviously a fraudulent transaction. The representative said this was a fraudulent transaction and somebody was able to access my account, and that she will credit the XXXX but I told her that I wanted to close the account. She referred me to the Supervisor and I thought that this was taken care of. I was surprised that I got another billing statement with {$29.00} balance including late payment. Obviously they did not resolve the issue. They closed the account for purchase but did not completely close it. Now I m afraid that somebody can hack or access my account and this credit card company does not seem to care

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 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MI

Complaint narrative:
I have transferred money to my moms account in XXXX on XX/XX/XXXX by using remitly money transfer. With the transaction numberXXXX XXXX XXXX XXXX MONEY WAS NOT DEPOSITED TO MY MOMS ACCOUNT AS PROVIDED. i have tried contacting them every day since 3 months to get the refund back.they keep telling me that theg are escalating this to thier partner bank. The amount was {$1100.00} which was really important to me and big money to help my parents during pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently conducted a balance transfer to my new citibank card from XXXX in the amount of XXXX. Since this maxed out my citibank card, it significantly lowered my fico score from XXXX to XXXX. I was floored so I decided to just pay off the citicard in it's entirety to restore my fico score. That apparently did not sit well with Citibank so they took my {$12000.00} plus another {$300.00} balance transfer fee totaling {$12000.00} payment on XX/XX/2020, but will not apply it until XX/XX/2020. The excuse they gave me was that my account was too new so they put a hold on the payment and my money. That's {$12000.00} of my money out of my checking account where I have no access to it and it's hasn't been applied to pay my balance! I should not be punished for deciding to pay off my credit card early. I have reached citibank representatives two times but they refused to provide a satisfactory solution. They also refused to provide the phone number of the citibank executive office so I could submit a complaint. Lastly, I feel that I received disparate treatment because of my XXXX surname since I was given a lower than normal credit limit. I also questioned this, but they said that they could not help until after 6 months. I am very disappointed with the way I've been treated by Citibank.

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 2020-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
the covid pandemic caused me to need to sell my vehicle to rearrange my finances. mbfs has been paid in full and still months later shows a locator lien with the contact info for XXXX XXXX preventing me from selling my vehicle. I needed to handle some things and there actions is causing me extra financial stress. they have also incorrectly reported information to the credit bureaus which needs to be fixed along with all notes removed from all credit bureaus. mbfs was paid off early yet seek to place derogatory notes on my credit profile along with having a lien locator on my vehicle after being paid in full.

Company response to consumer: Closed with explanation