vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX - partial account number XXXX. XXXX  and Transunion are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-01-28 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: TX

Complaint narrative:
XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX  - partial account number XXXX. Experian and XXXX  are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-01-28 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: VA

Complaint narrative:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name. 

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ 1- {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

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 2020-01-28 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: VA

Complaint narrative:
This is a follow up complaint since the other complaints were closed without taking full action, as I requested. For one -- I've included my driver 's license and SSN card so that we can get my name straight on all 3 credit reports ( not what you think it is, nor what you wish it to be! ) This has been an issue with you for over 5 years, as I've asked you countless times to have this updated and remove any entries that are not accurate and reflecting my correct name.

Additionally, I would like to know why my credit report is taking such a huge loss of points ( 55-60 points ) for 2 accounts that have outstanding pay history? Not only that, but it looks like every few months you all have been taking points for the same account ... One month you take my score down 20 something points for a $ XXXX {$2.00} increase and then the next several months there is no change? In less than 6 months my scores are taking a hit for the same account? That has a paid on-time status?? Can you please explain the formula used in decreasing/increasing credit scores and why this would be happening every several months? 

Attached are just a few of these entries/changes.

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 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest credit systems is reporting a debt on my credit report and I never had a account with this company please verify this information with the original contract signed if this information can not be provide please delete all inaccurate information also please fill out attached documents and return then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NY

Complaint narrative:
Not my accounts 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 non-monetary relief
Consumer complaint received 2020-01-28 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: NY

Complaint narrative:
Not my accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was part of the Equifax data breech back in XX/XX/XXXX. I filed a claim and went through what I needed to. I noticed inquires that were not mine on my credit reports and reached out to these entities. XXXX is one of them I went back and forth with them and they did investigate and found that it was fraudulently done and multiple times. They have sent a letter out to the Bureaus to  have this inquires removed in which all but Equifax. I have disputed over and over and called XX/XX/XXXX and did a verbal dispute, with in 24 hrs dispute was complete and results were factual. I then called again XX/XX/XXXX asking how were they factual and did they investigate, was advised yes and they can not and will not delete these inquires including the other inquires that were requested as they were not mine and not authorized. I was advised I needed a report and an FDC report. I went on to explain that Equifax has notified me with letters of a data breech and on XX/XX/XXXX and in XX/XX/XXXX confirmed that XX/XX/XXXX you have identified my credit file as id theft and fraud and never placed my file with fraud alerts. On this call ( XX/XX/XXXX ) they then placed my file on fraud and stated will alert the other 2 buraus in which I stated has already been done. Equifax has also confirmed the letter from XXXX XXXX to remove the inquires and still will not. I am victim of fraud and my personal info has been compromised thru their data breech and I am being denied to have my inquires investigated and rightfully removed. I have reached out to all the inquires that are not mine and the others outside of XXXX XXXX have no record of me submitting an application or proof it was done by me or how it was done. I have submitted another dispute XX/XX/XXXX via online portal for all inquiries and reason of fraud. I am pending the results of such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 {$160.00} This amount was paid to two different collection agencies. The amount has not been removed from my credit report. The service was terminated by my choice. I called to notify XXXX of no longer needing the prepaid service in advance. They received a bill multiple times. Paying the {$160.00} twice. I want this removed it is fraud for XXXX XXXX to charge me when I have paid the amount due. Then they refuse to remove it from my credit. I want this resolved.

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 2020-01-28 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: AES/PHEAA
State: FL

Complaint narrative:
I have for several years tried to challenge this loan for discharge through the proper channels. I was sent the wrong forms by the phone team many times. Most recently I believe it is frozen for proper investigation? Can we confirm thos status please? Also there is incorrect negative credit reporting on all 3 bureaus ; XXXX, XXXX  and XXXX  that show I have missed, late payments from the aforementioned issue. I was told the credit report is showing for XX/XX/XXXX a 90 to 119 days late. This is hurting me and keeping me from getting a job. Please update this immediately. Also, the below XXXXXX/XX/XXXX rep and office, as well as the Maryland attorney generals office volunteers emphasized they do not like handling ny complaints in good faith. They obstruct my legal rights. You will see a culmination of phone team abuses, phone team social justice warrioring and an overall distain for me having a credit score with purchasing power. All of this destroyed by bratty phone reps and complex tech errors. Please handle each complaint without profiling the number of complaints. Please consider legislation the allows transparency and immediate receipts from each business phone transaction. The individual needs to be able to wire tap business transactions for accountibility if not. All problems since XX/XX/XXXX stem from kids not liking my tone then sarcasticly transferring me in circles messing up ny accounts. I left a clear record timecapsuled for all agencies how social justice warriors in the phone illegally sabotaged my american dream. Please correct these scams. I give up and will not have children here or participate sincerely in business until fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX continues to furnish derogatory information on credit report. According to FCRA [ 15 U.S.C. 1681b ] company is out of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I wanted to see my credit score report so I went to TransUnion because they offered to give it to me for free. I was not made aware that I was signing up for a $ XXXX/month subscription. On XX/XX/2020, I checked my credit card transactions and noticed one from TransUnion. I tried cancelling my subscription online, but never received a confirmation email from them that my subscription was actually canceled.

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 2020-01-28 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: WI

Complaint narrative:
I recently had my checking account closed with Chase bank in the first week of XX/XX/2020 because of fraud problems. I have been fighting against claims with them that I filed. I had changed bank and I wanted to make sure my direct deposit from my employer XXXX XXXX  would be switch over in time for my next direct deposit. On my employee payroll work site XXXX I was not not to delete my XXXX information for direct deposit so I changed from it checking to saving since I didn't have a saving account with Chase banking to make sure the Direct Deposit would be rejected if it was still mistaking send there instead to my new bank. On XX/XX/2020 my payroll check of {$840.00} was send to Chase Bank and POSTED under another saving account that was not my account since I never had a saving at Chase bank and it was used to pay a balance from two claims that I was denied. My employer XXXX XXXX   informed me that my funds was never send back to their bank and I was given the tracking number and all bank information to show how they send it to Chase bank. I talked a supervisor by the name of XXXX XXXX ID # XXXX, which she told me, yes that it was received as a saving account even thought my account had been already closed and since I never had a saving account but they was NOT reversing nor returned my funds and that it didn't matter. What Chase bank did was a violation and illegal and I would like to have legal action completed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: NC

Complaint narrative:
Company charged me a {$10.00} fee for not meeting the minimum balance requirements even though as soon as I opened the account I gave the information to my old bank and did a transfer in to the new bank as soon as they finished adding the account to their system, I couldnt possibly have gotten the money in earlier since moving money in America into savings accounts sucks

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 2020-01-28 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: Alorica Inc.
State: MI

Complaint narrative:
SST/XXXX has not updated my credit report to reference that this account is paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I placed an order for a XXXX XXXX XXXX XXXX XXXX, Model XXXX at a price of {$350.00} and paid for it with XXXX points from my Wells Fargo GoFarRewards account # XXXX. The product was shipped to me from XXXX XXXX and arrived on XX/XX/XXXX. On XX/XX/XXXX I received an email from " XXXX '' which referenced Wells Fargo/XXXX and offered seven XXXX XXXX products for sale, one of which was the identical model I had purchased from Wells Fargo. However, the XXXX price was {$130.00}, less than half the price I had paid. 

I could not understand how such a large discrepancy in price could exist for one product among reputable sellers, unless an error had been made. So I went online to check how other retailers were pricing this product. The XXXX XXXX offered it at {$180.00} ; XXXX, at {$140.00} ; XXXX XXXX, {$180.00} and XXXX XXXX, {$180.00}. Average price of the five outlets works out to {$170.00}. 

On XX/XX/XXXX I went to the Wells Fargo website and sent a message concerning the price discrepancy and the unreasonable difference between Wells Fargo 's price and the price of other stores which sell the same product. In view of these facts I asked that Wells Fargo restore equity to my transaction by refunding XXXX points to my GoFarRewards account. I received a confirmation from Wells Fargo that my message had been received and I could expect to hear from them within 10 days. I waited one month for a response, and on XX/XX/XXXX I sent a second message on the Wells Fargo website. I asked that if they are not willing to make an adjustment for the price discrepancy that they authorize me to return the product and cancel the transaction altogether. 

I received a letter by mail dated XX/XX/XXXX from XXXX XXXX, Research and Remediation Manager, Executive Office, Wells Fargo Bank. Mr. XXXX stated that his research team expected to provide me with a response on or before XX/XX/XXXX. A second letter dated XX/XX/XXXX came to me from XXXX XXXX, Research and Remediation Analyst in which she said she was working on my case and I could expect a response by XX/XX/XXXX. A third letter, dated XX/XX/XXXX arrived from XXXX XXXX stating her research is continuing and I can expect a response by XX/XX/XXXX. A fourth letter dated XX/XX/XXXX arrived from XXXX XXXX in which she stated she is unable to honor my request because rewards are not refundable once redeemed. 

I can not accept XXXX XXXX XXXX decision as a legitimate reason for denial because fairness and equity in conducting a business transaction should never be disregarded. When an operating procedure conflicts with doing what is right, an exception must be made.

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 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I bought a house in XX/XX/XXXX with T.C.F. BANK IN ILLINOIS AND I PAID ON IT FOR 14 YEARS AND THEN I HAD A PROBLEM AND BY THE TIME IS WAS INFORMED I HAD TO HELP THE BANK SELL MY HOUSE AND THEY PROMISED TO HELP ME BUT THEY DID NOT AND I LOST MY MONEY MY HOUSE AND MY GGOD CREIDT SCORE, IM TRYING TO GET ALL MY DOCUMENTS FROM THE FIRST DAY OF THE LOAN I FEEL THAT THE BANK ( T.C.F. ) COMMITTED FRAUD AND NOW THEY WONT RELEASE MY FILES TO ME PLEASE HELP ME MY NAME IS XXXX XXXX  XXXX CELL # XXXX EMAIL XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  AZ XXXX ALSO T.C.F. ADMITTED FRAUD TO MY CREDIT COMPANY IN XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2019 I refinanced with XXXX XXXX. As part of that refinance the Bank had the Title Company cut a check to Capital One to payoff my Walmart Credit Card in the amount of {$710.00}. On XX/XX/2019 that check was taken into the XXXX Kansas Walmart to payoff the Credit Card ( Receipt attached. ) On XX/XX/2019 that check cleared the Title Company 's Escrow Account, copy also attached. As of XX/XX/2019, the balance remained on my credit card and so I called the customer service line with the title company also on the line to provide the details of the cleared check. We were told to fax in a dispute request to XXXX with the info, so that was also faxed in XX/XX/2019 ( attached. ) This payment has yet to be applied to my account and I received a letter from Capital One that this was Walmarts responsibility and that they could do nothing. Walmart has been in possession of my {$710.00} since XX/XX/2019 and have yet to provide a resolution or apply the payment to my account. With the check cleared it is too late to place a stop pay, so Walmart is in possession of funds now that have grossly been mishandled and do not seem to know where they are which seems down right fraudulent considering all the evidence attached to this complaint that they are in possession of said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been receiving a number of calls this month ( XX/XX/2020 ) from Chase Bank, but decided to ignore them until today as they are coming in with a such frequency as to harass and annoy me. The calls are being made with automated pre-recorded messages as well. 

Today XX/XX/2020 a call came at XXXX XXXX trying to solicit me lower interest rates on my cell phone number XXXX. Eventually a person came on the phone and I told them to stop calling me. The Represenative on a recorded line said What the XXXX? And I hung up on them. 

No lawsuits have been filed as of this time. Please see attached demand letter and prior documentation regarding this matter. I am requesting that Chase Bank communicate regarding this entire matter in writing please only no phone calls.

Company response to consumer: Closed with explanation