vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received an automated call on XX/XX/22 from XXXX. The recording said that if I didnt press 1 to speak with someone to take care of the matter, they would contact my employer to garnish my wages and would contact the local sheriff. 

I pressed 1 to speak with an agent as the recording had requested. 

I was connected to someone named XXXX, who identified himself as being from the Legal Department at XXXX. He stated that he was looking for XXXX XXXX. I informed him that there was no one here by that name, and that they have been informed of this before when they called looking for XXXX XXXX. He then asked me what my name was, so told him that I had no legal obligation to provide him with my name. 

He then told me that if I didnt provide my name, the calls would not stop.

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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
Someone opened a checking account at Chime Bank in my name on XX/XX/22. I started receiving emails stating the account was opened, a debit card was ordered, a visa was ordered, etc. I called Chime on the evening of XX/XX/22 to get help but Chime only had a recording giving an email address. I emailed and told them to close the account immediately. They responded later that night that the account was suspended and then responded XX/XX/22 that in order to permanently close the account I needed to reply to their email with a picture of my license and another picture of me holding my license. No one has called me to talk about this. The email from Chime didnt even have a full name or phone number of someone I could talk to. I did not send the picture of my license because I have no idea who the person is that is asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX from Bank of America reported account abuse to XXXX stating I owed money to Bank of America. When I phoned XXXX at Bank of America he agreed and sent me a letter stating the error would be removed from XXXX. 

I sent XXXX the letter from XXXX at Bank of America in addition to my dispute about the charge. 

This now has been over 14 months and XXXX is refusing to remove this incorrect reporting by Bank of America. I have phoned both businesss repeatedly to no avail. 

I am prepared to sue both companies as this is affecting every aspect of my life causing undue stress. I can not open a bank account, get housing, loan or student funding for college. 

My identity has been stolen over two years ago in addition to XXXX does not have the correct name for me. I believe this is incorrectly on my report and XXXX has made a gross error in addition to Bank of America.

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 2022-01-28 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: AL

Complaint narrative:
The credit agencies keep reporting inaccuracies on my credit file. The student loans date of last active on all three bureaus are inaccurate. The FCRA says, " 100 % accurate. '' Not 10, 20, 30, 40, or etc. 100. I am enclosing a copy of the letter I sent to all 3 bureaus with a copy what is reporting with all three agencies so you can see I am not lying. This need to be removed immediately. I will take legal action because this is not fair.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
Firstsource Advtantage LLC continues to call me every other day leaving a voicemail just saying to call back. No information, no confirmation of who they are calling. I've never owed a debt outside of my monthly credit card bill which I pay on time anyway. They need to stop and it's obvious their actions are terrible given their feedback and multiple threads on forums online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received letter today asking me to ID myself so a credit card could be issued ( Verizon CC ). I did not apply for such a card. The Banks address and phone number on the letter appear to be phony. My XXXX Report shows " Soft Inquiries '' about a Verizon CC.

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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I paid the final bill to XXXX XXXX XXXX, and apparently, as I was making that payment, they sent my owed balance to some caine & weiner collection agency who insists I still owe it. When I call progressive they act like the payment must not have been made because of the fact that it's with a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I applied and was approved for Chase Bonvoy Boundless credit card. On my application, I gave my Marriott XXXX  account number.

Upon meeting minimum spend, I should receive sign-up bonus of 125,000 Marriott XXXX  points and 1 free night certificate redeemable at any hotel night stay of up to 50,000 Marriott Bonvoy points I met the minimum spend on XX/XX/2021, but I did not see any points deposited into my Marriott XXXX  account I reached out to Chase through Secure Messaging on XX/XX/2021. On XX/XX/XXXX, I heard back from Chase through Secure Messaging that a new Marriott XXXX number has been created for me, and that I should reach out to Marriott to combine the two different Marriott accounts. 
I do not understand why Chase had created a new Marriot
t XXXX  account for me. Taht is not what I had asked for. Nonetheless, I reached out to Marriott to have the two accounts combined.

Marriott claims that the name on my original account is not the same as the account Chase had opened for me. Marriott also asked for name change documentation. There has been no name change on my end. I do not know what Chase has done and why Chase had opened a new account that is not under my name.

Since Chase did not deposit the 125,000 Marriott XXXX  points and 1 free night certificate into a Marriott account that is available to me, this is effectively the same as denying me the sign-up bonus.

I had been given the runaround by Chase and Marriott people many times. I have no recourse but to file this complaint hoping CFBP can help me. 

Thank you for your kind attention. I look forward to seeing Chase rectify the situation and deposit XXXX points and the free night certificate into my Marriott account.

Attached you will find communication from Marriott claiming that the two Marriott accounts have different names even though you can see that they are not different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates, LLC has been sending me notices in the mail for a few years now about a XXXX debt that is not mine. They keep saying they will be collecting {$76.00} from account ending in XXXX. The next payment is supposed to be XX/XX/XXXX of 2022 but the account is not mine because the debt is not mine. I filed a complaint already through this site years ago and I'm sick of getting the notices. I contacted them by phone and let them know I was not the holder of this debt but they are apparently too incompetent to actually collect the debt. Seems pretty important that a debt collection company would know how to actually collect the debt... .but that's just me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My mortgage company, Huntington, has not paid any of my taxes or insurance in XXXX from my Escrow account. I have since found out they had the wrong parcel number and paid taxes on the wrong property. Additionally they did not pay my insurance so I've gone out to pocket to pay that. 

Now, my escrow for XXXX states a $ XXXX deficit and estimated $ XXXX in taxes ( my taxes are around $ XXXX ). That has ballooned my mortgage payment by $ XXXX which I can not afford to pay. However, Huntington says there is nothing they can do until their tax and escrow team can resolve the issue which will take " months ''. In the mean time I am expected to fork over $ XXXX additional over the next year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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: CA

Complaint narrative:
Bank XXXX XXXX was not able to prove such an amount to be owed and they ad to dismiss the case against me in the court of law. Their dismissal legally means they wave their right to claim such money, where it is no longer necessary to anyone to reopen the case. Also, the statue of limitation as per California law has passed for the XXXX XXXX  XXXX to claim any money. Thus, XXXX XXXX XXXXXXXX can't legally claim any money owed. The result, XXXX XXXXXXXX XXXX is using Experian as a proxy to engage in a criminal act of extortion under Penal Code XXXX, in which is a felony act of both XXXX  XXXX XXXX and Experian to be engaged in. I have notified Experian and disputed the wrongful reporting on my credit report many time since XX/XX/2021. Experian didn't notify of any result of such dispute nor properly investigated. I received nothing form XXXX XXXX XXXXXXXX nor Experian as a response to many disputes. My last dispute was in XX/XX/2021, where I disputed by mail and online. I have given Experian proofs of the court dismissal of the case. Experian been extorting to pay money that not legally owed to XXXX XXXX XXXXXXXX, since XXXX XXXX XXXXXXXX can't get any money legally. Experian been playing the proxy extortion game with by deducting between XXXX to XXXX point every month for the falsely claim money. This is not only unfair practice is also criminal as I read the PC519 where they using Credit reporting to cause a disgrace and deformity that induce public humiliation and financial hardship and damages.

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 2022-01-28 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: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2022-01-28 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: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently ( to be an exact XXXX of 2020 ) purchased some material to remodel my home from Floor & Decors Branch in XXXX XXXX, CA and at the cashier, they offered me 0 % financing for 1 year to be paid in full. I found it attractive and I took the offer and started to make payments on the loan ( {$4500.00} ) until recently when the 1 year passed and I noticed there was a huge finance charge of {$1300.00}. was added to my remaining balance of about {$1600.00}. when I called Floor & Decors Financing they told me, since I did not pay all of the balance in full then I had to pay interest of 29.9 % on all original balance of {$4500.00}. 
I pleaded and I told them that that was not disclosed to me at the cashier, all it was explained to me was the 0 % financing for 1 year, and no detail was explained and it is so hard to read or no chance to read the small fine print where there is a line of people behind you to check out, on the receipt that confirmed the interest rate will be applied on all original balance. it is so deceptive and I think it is planned to get you to pay 30 % financing! 
I reached out to Floor & Decors several times but they declined to credit me back and they did not except to charge finance on the balance remaining only. 
I paid the balance off including the 29.9 % fiance charges but I am seeking help to help me to stop Floor & Decors on deceptive practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Today ( XX/XX/2022 ) I received a predatory mailer from the student loan servicer Navient. The mailer encouraged me to refinance my federal student loan, currently in coronavirus related forbearance until XX/XX/2022, with Navient. The mailer incorrectly states that the federal student loan payment pause will end on XX/XX/2022 ; this is months earlier than reality. Its predatory and unethical to mislead consumers about federal protections in order to make money off their existing debt.

Company response to consumer: Closed with non-monetary relief