vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I already have a case open with Chase in regards to a few transactions that I disputed and I have been working with a representative named XXXX in the executive office but yet chase has been constantly harassing and annoying me with collections calls from their recovery team. I asked for them to please get in contact with XXXX so they can be on the same page because they are calling me about an issue I have a claim open on. I was transferred to XXXX XXXX who then told me my account is scheduled to be closed on XX/XX/2021. She also told me she doesn't have to tell me when she goes in and does anything to my account. It's concerning to me because my account has all my personal information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 i refund was issued to my card from XXXX supermarket for {$750.00} for a money order that was cancel. I was told by coinbase that there is a reverse pending on my account and I will recieve my money within 10 days. After 11 I days i called coinbase Iand I was told that the refund is showing completed on my account but they don't know why its not posted to my account and they have to esculated to a specialist. Since then I have call everyday and they refuse to give me my money. I have send myltiply email and no one respond to them. Here are the case number open for the ticket created : XXXX, XXXX, XXXX, XXXX, XXXX. No one can give me a explanation as to why I don't get my refund. I went to XXXX and they show me a print out that the refund was approved and completed, yet, coinbase don't want to give me my money. I asked then to disputed the transaction that I havent received my refund and they say I can't because the refund is showing it is completed and they received it but don't know why is not showing on my account. Please help me am stress and depress and going crazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am currently receiving false and misleading information on my credit report due to Identity Theft. I am a consumer/natural person who never authorized those contracts with these Accounts reported and assumed to be mines. I have contacted XXXX and told them to validate that inaccurate information off my consumer credit report. They have not helped me remove this off my credit report. This is affecting my ability to get credit and take care of my household needs. I need these inaccurate and fraudulent accounts removed off my immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I took a look a my experian report and found some inaccurate items on my credit report. A collection from XXXX XXXX for XXXX was listed on my credit report that I am not responsible for. I am a victim of idenity theft. Below is a copy of the information. 


ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

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 2022-01-24 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: CA

Complaint narrative:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax 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 2022-01-24 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: CA

Complaint narrative:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CA

Complaint narrative:
Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax 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 explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Ive tried online and calling for assistance with lowering my payment or a deferment as my partner and I have been out of work two different times with Covid-19. Please help lower the monthly payment or do a three month deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Sold my home and never notified me. The buyer never contacted me. Now he is trying to sell my home again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is failing to reflect 4 XXXX XXXX credit cards that I am individually responsible for, despite connecting my XXXX XXXX account to their " boost '' program and submitting additional paperwork from XXXX XXXX that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with Experian to resolve this problem. Experian suggested I contact XXXX XXXX, which I did. XXXX XXXX provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to Experian on www.experian.com/upload. XXXX XXXX claimed they were going to " re-send '' my credit data to Experian but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my XXXX XXXX account with Experian 's boost program, which uses a third party to search my credit cards for utilities and other bills. Experian was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking Experian to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Ny Indigo Credit Card was used to make an online purchase in XX/XX/2021. I immediately notified the card issuer and consequently my account, after a two week investigation by the card issuer, was credited for the unauthorized purchase. Two month later, the card issuer put the charge back on my account XXXXafter I paid the account off0. I received no notice and despite numerous phone calls to the card issuer I have been unable to ascertain why the charge was placed back on my account and I have been unable to gave the charge removed or received reasons why it is not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I experienced a hardship due to covid around XX/XX/XXXX. I called Carrington Mortgage and was put in a forebearance program. The forebearance was up in XX/XX/XXXX. I called back and was told that my forebearance was up. I spoke to someone in their customer service. She stated that I would be put in another forebearance plan. She said that I did not have to call back and would be put on it for another extension. I called back a month later and they said that they did not say that. I called the advocate Dept and was told to fill out the loss mitigation application. I done that and was told they would look into what was told to me by management. I have been getting the run around and just trying to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
After reviewing my credit report, I noticed an amount on my credit stating that was owed XXXX from ARS ( ACCOUNT RESOLUTION SERVICES ). On my credit, ARS is claiming that there was a service received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX for {$1400.00}. I sent ARS a letter on XX/XX/XXXX, to VALIDATE this and provide me with competent evidence that I have any legal obligation to pay ARS. ARS ( ACCOUNT RESOLUTION SERVICES ) sent me back a letter on XX/XX/XXXX, only VERIFYING the alleged amount owed. That is not what I asked for.

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 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is related to Capital One and their horrendous customer service. I purchased a container of furniture for my business from XXXX using a money wire service called XXXX. The amount was {$10000.00}. The product was grossly misrepresented so I reached out to the manufacturer who refused to answer my questions about the product. He even kept eight of my chairs and didn't tell me they were on the container until I asked where they were. Long story short, I filed a claim with Capital One and they sent me an email saying the provisional credit was mine to keep and the dispute was now closed. But then two days later they send me another email and said they'd be removing the funds from my account. They didn't give me any documents or reasoning. How can they do that?! Bad business and unethical. I'm pissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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