vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: Early Warning Services, LLC
State: FL

Complaint narrative:
EWS clearly states in their attached correspondence with me, that they received my dispute letter in regards to my entire account on XX/XX/2021. It is now XX/XX/2021 and I have not received a report in regards to any investigation. 

XXXX XXXX XXXX xxx xx XXXX Consumer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
Previous complaint # XXXX.I need a disclosure, ,something from usaa showing the rules of Membership. All I have is their word. Why can't they use my SS? According to my Credit Union I can close my account, they too have to keep records but my Membership is closed. USAA is refusing to reply to the Arkansas Attorney Generals Office as well as to my messages. No doubt they are hiding something. Can they legally keep my Membership open? On my original complaint I still had a account, now everything is closed. Just use my SS and close my Membership. I don't like usaa, they don't like me. Let 's end this now and I'll be happy. Please send my complaint to someone higher than the person that replied earlier. Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to Midland credit management with no luck. I have no idea who could have done this under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: CO

Complaint narrative:
I have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit 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 2021-08-01 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: CO

Complaint narrative:
I have been working with this creditor since XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX balance and XXXX past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/2021 and still has yet to be fixed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ). 

ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to XXXX XXXX  XXXX  with no luck. I have no idea who could have done this under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Today, XXXX XXXX, 2021, while purchasing a XXXX XXXX airline ticket, I was prompted that I would receive {$300.00} off the ticket if I applied for the pre-approved credit card. I applied thinking that I would save some money. I did not receive the {$300.00} off when I finalized the booking. And now apparently I have a Chase/United credit card with a {$95.00} annual fee on top of the full airfare. I tried to cancel the card immediately, but with NO options to decline the card. What are my options to decline a credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In response to SPSs responses of XXXX and XX/XX/XXXX, they continue to state, You also raised several claims regarding fraud. We have reviewed your claims and found no merit to your allegations. SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. I continue to make these allegations and further reiterate SPSs complete incompetence in responding to legitimate questions regarding their fraudulent activities which go unanswered. On XX/XX/XXXX, I wrote, Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state XXXX acres and others state XXXX acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. These concerns were never addressed in SPSs response of XX/XX/XXXX. 

On XX/XX/XXXX, I wrote, On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX  Mortgage Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX XXXX, NY land records. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has not responded to this fraudulent activity and the Mortgage Assignment remains on record ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2021, I received an email that my email has been used to open a Chime checking account. Although the email is mine, the account is under my husbands name. I have never heard of this bank and never have opened an account with them. I tried using password recovery with both the last 4 of my ssn and my husbands ssn and neither worked. The checking account is clearly made with someone elses stolen SSN. I tried emailing Chime customer service but they refuse to close the account without me sending them photos of my full Drivers License and Social Security card. I refused to do that stating that since I am not a customer with them, I dont feel comfortable handing over such personal information. They should be checking whether the social security numbers being used to open accounts with them match the names being used. They are clearly not doing this and encouraging identity thieves to use their institution. I have sent a total of 22 emails within the last 4 days trying to resolve this and each time a different customer service person responds, asks for more personal info and then I never hear from them again after I refuse to hand over that information. I need help to close this account and this bank should be fined for not doing any due diligence when new accounts are being opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), regions closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through Experian, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX XXXX  XXXX companies, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.

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 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX we contacted AmeriSave Mortgage regarding a new loan application. KNOWING that we had to be 2 years discharged from a Chapter XXXX bankruptcy before we could apply for a new mortgage we decided to call and get pre-approved. When speaking on the phone with the XXXX from Amerisave for 18 minutes, we clarified NUMEROUS times with them that they were able to do a loan for us with a discharge of 2 years from ChptrXXXX and she reiterated 4x throughout the conversation and us asking repeatedly to verify they were able to YES. After each yes she gave, we then would provide more info and then repeat the situation for clarification and continue to get the same answer of YES each time. We then agreed at that point because we were told multiple times that yes they can provide a loan for us with a 2 year discharge from Chptr XXXX to have our credit pulled. Mind you we have been working very hard on our credit and have been very cautious with applying as we know this will lower your score some and an inquiry stays for 2 years. She then pulls our credit, says everything looks great, I am going to work on the preapproval for the property and I will call you back. However, when she calls back she then says, I am sorry we can't do anything for you as your discharge needs to be 4 years out. I said, we CLARIFIED this many times with you prior to allowing you to access our credit and you told us the same thing every time, yes 2 years discharge from Chptr XXXX She says well, I am sorry its 4 years, I thought you were talking about a Chptr XXXX. 

We would have NEVER allowed access to our credit if this was the case. We KNEW ourselves exactly what the requirements were for and questioned her multiple x. This seems to be a fraudulent way to gain access to a person ( s ) credit when they blatantly lie to you and then pull it because you are misled by the XXXX. We are now stuck with this lender inquiry for 2 years because of the companies deception. How do we remove these?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot Credit Card, Illegal Action on Account Closed On XX/XX/XXXX, I received a letter ( Not dated ) from XXXX XXXX XXXX, XXXX XXXX, SD XXXX THD/CBNA/ XXXX XXXX stating that the Home Depot Credit Card Account terms would be changed on XX/XX/XXXX. 

I do purchase from XXXX XXXX for house maintenance and repairs. I was induced to get this credit card by a XXXX XXXX personnel based on some discount on purchases. I only used that card on some purchases and stop because it was easy to charge to another card. 

When I received their letter, I did not agree with the changes of terms. On XX/XX/XXXX, I called the number XXXX and closed the account. My wife is witness that because we cancelled both our credit cards. Today, XX/XX/XXXX I am receiving a notice from XXXX  that THD/CBNA still open and that they had lower my credit limit impacting in my credit score report. 

That seems like an illegal financial retaliation from THD/CBNA and fraud because I officially closed this account. A financial institution can not act on closed accounts to lower credit limit or scores.

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 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.

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 2021-08-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.

Company response to consumer: Closed with explanation