vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

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 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: NJ

Complaint narrative:
Based on my previous letter dated XX/XX/XXXX, the District Director of Operations of TitleMax called me and informed me that a ) the vehicle was in excellent condition and that they could sell it at auction to recover the amount owed or b ) they would accept my offer to pay {$7100.00} to return the vehicle to me. Based on this discussion, I agreed to option b. 

1. On XX/XX/XXXX, I made the payment in person to TitleMaxs XXXX store. TitleMax representative, XXXX XXXX XXXX signed the release agreement. 
2. I picked up the vehicle from XXXX XXXX XXXX in XXXX, NJ where TitleMax had sent the vehicle for auction. I observed them move the vehicle from the lot to the parking lot using a forklift despite me having the keys to the vehicle. 
3. On XX/XX/XXXX, I took the vehicle to XXXX of XXXX for scheduled maintenance. They informed me that the vehicle had been damaged due to improper towing. Both front and rear control arms are damaged due to the forklift or the original towing company mishandling the vehicle. An exhaust bracket is also damaged and needs repair. The damage assessment and estimated cost is attached. This damage has caused abnormal wear and tear on the tires. 
4. There is also minor damage in the trunk and front driver door area where TitleMax or its agents attempted to open the vehicle upon repossession. 

I contacted Titlemax in writing on XX/XX/XXXX and XX/XX/XXXX to ask them to pay for repairs. As per their reply dated XX/XX/XXXX Titlemax agreed to pay XXXX of XXXX the sum of {$1000.00} to repair these damages. 

However, despite repeated attempts to contact their store in XXXX  to arrange to sign the release documents I was told that no such arrangement to make payment had been made. 

I then contacted them in XX/XX/XXXX and again in XX/XX/XXXX and they replied on XX/XX/XXXX and asked me again to visit their store in XXXX  ( 3hrs from me ) by XX/XX/XXXX. Covid-19 lockdown started on XX/XX/XXXX in XXXX  and I doubt their store is even open. No one answers the phone there. Nor does the Regional Manager, XXXX XXXX answer. 

I have written to them on XX/XX/XXXX and XX/XX/XXXX asking them to send me the release documents via mail or electronically for signature but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of 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 2020-05-19 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of 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 2020-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: AL

Complaint narrative:
I was issued a card by the state of Alabama for unemployment benefits. I am unable to access the account online or by phone. I keep getting the message that the information is invalid when asked to enter my card number. I have called the number on the back of the card and due to the invalid card number I am unable to navigate through the menu. I have been unable to reach an operator because the automatic system just hangs up on you. The state of Alabama will not reissue the money on the card to another account. This card company has 4 weeks of my pay hostage and they provide no avenue for me to remedy the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a net spend card this morning and placed all the cash that I had left on the card to pay for a hotel room since I was driving for several hours and didn't feel it was safe for me to be on the road. I called to activate the card and was told I wasn't eligible to use it due to past accounts, I have never had a net spend card I also I filed identity theft through the FTC over a year ago nothing from this company has ever been brought to my attention. They said that there was no way to transfer or give me back my money I had to wait for a check.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: FL

Complaint narrative:
Us direct Express card My us direct Express card been lock out over 10 days I Been calling daily Monday thru Friday even sat website said there open 7 days a week 24 hrs a day XXXX daily no answering there phones daily can not talk to customers services about this long loud music daily no response period I went to XXXX XXXX  to withdrawal funds my receipt said no funds available been checking online been lock out no customers services at all I can't even get my meds I need daily because of my health issues this is fair deal for anybody on social security or any benefits thru them having our money card lock up not fair either it's our XXXX money card shouldn't never been lock out I'm on XXXX monthly Please help me and let 's get my usdirect exspress card working asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
XXXX XXXX  XXXX  ( with inaccurate info ) XXXX  XXXX EXPERIAN XXXX CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX  ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY HOMEBOUND UNABLE TO COME TO BRANCH & XXXX  DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX Letter XX/XX/XXXX XXXX  Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX  PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO XXXX. see attatched Identity Theft Report FTC case XXXX. XXXX XXXX  PROVIDED NO XXXX ACCESS. ( ADA Complaint XXXX ) see attatched XXXX  Letter of XX/XX/XXXX some dates 12th month 11th month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX  PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING XXXX  & EXPERIAN VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
My mortgage was transferred Stearns Lending in XX/XX/XXXX. My Home Insurance carrier told me in XX/XX/XXXX that my insurance will be cancelled if my yearly premium is not paid. I immediately informed Stearns and the rep. told me to not worry about it that payment was already mailed. A {$550.00} check was sent to XXXX XXXX in XX/XX/XXXX. The check was returned back on XX/XX/XXXX bc of wrong information was provided. My policy was canceled. Stearns never followed up and, in XX/XX/XXXX, I discovered that I had no Home Insurance policy. I contacted my Broker who explained that I needed a new Home Owner policy because the previous one could not be reinstated. Now the yearly premium increase is {$600.00} instead of {$550.00}. Stearns explained in XXXX that they will pay the {$46.00} difference to my escrow account bc it was their mistake for not following up. 
In XX/XX/XXXX, my mortgage was transferred to XXXX. 
Stearns refuses to pay the {$46.00} despites several phone calls and full explanation. Rep. usually put my call on hold until I hang up after 30 minutes waiting ) ; one told me Stearns will never pay anything. Now, I will have to pay an additional $ 46 yearly premium until the end of the mortgage life ( 30 y ) bc of Stearns 's mistakes, breach of duty, and obvious bad faith.

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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been harassing me through their agent XXXX : my wife and I both lost our jobs due to COvID-19 in XXXX, since then, we havent been able to make our monthly payments to American Express. My minimum monthly payment was {$520.00}. After missing the XXXX payment, they decided that I owe them no less than {$6000.00} as a minimum payment or they would report me 30 days late. I didnt have the {$520.00} to pay them let alone the {$6000.00}. The collection agency they use, has been abusive, they harass me, they contact me before XXXX XXXX and after XXXX XXXX. They are completely unsympathetic to my problem, and they raise their voices at me and threaten to destroy my credit profile. American Express, refuses to contact me directly or speak to me. They refuse to make any payment arrangement for me or offer me any type of deferment. I have never been treated like this by any other credit card company. I have had an account with American Express since 1995. Every other credit card company is working with me in some capacity.I need American Express to come to the table and offer me some sort of payment plan so that I can pay off my debt. I refuse to ever speak to XXXX again and will continue escalating this matter to every possible government regulatory agency of this pattern of abuse does not abate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
In XX/XX/XXXX I applied for a Citibank high yield savings account. After waiting almost a month for them to verify my address off of a utility bill, I called and asked them to stop the application process because it seemed like a red flag that their process was taking this long. The service rep confirmed they would stop processing my application. 

In the interim I applied for, and was approved for a XXXX XXXX high yield savings account in a few days. Instead of stopping the application process as indicated, Citibank then attempted to open the savings account and withdraw from my XXXX savings account without my authorization. XXXX flagged the transaction as fraudulent, as was the case. Note that I still have the uncompleted IRS W-9 form from Citibank, which Citibank states in writing is a prerequisite for account activation for all US citizens. 

I have called Citibank 1-3 times monthly now since the unauthorized withdrawal, and have been told by customer support reps repeatedly that my account would be closed. Each time I call, the customer rep confirms my account closure requests in the call log. It is now XX/XX/XXXX, and I just received another bank statement indicating that the account is still open. I am concerned that Citibank is sabotaging my credit score with their fraudulent actions to meet a phony internal KPI.

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 2020-05-19 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: FL

Complaint narrative:
Experian and XXXX  should not be reporting a collection/charge in the amount of {$610.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account originated with XXXX. This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My complaint is against Kohls/Cap1  account # XXXX. Since XX/XX/XXXX to XX/XX/XXXX. 2019 I XXXX  in XXXX  XXXX  due to XXXX  XXXX. There I was in a XXXX XXXX XXXX   which I had n access to internet, my phone, or any type of device that could make my payments. When I enter the XXXX XXXX XXXX I was aware about this and left my someone to make my payments, unfortunately that person had some issues trying to make the payments from XXXX, XXXX, XXXX. All 2019. That would had not happen if I would had been outside of the hospital. Please reasonable and either remove those negative marks or the entire account, for me there is no difference, I would like to continue making business with Kohls/Cap1 but if you guys rather close and delete account that is fine as long it does not affect my credit score. I have a couple of litigators that are willing to take this in contingency at a federal court, they see big chances in winning due to my XX/XX/XXXX, but I rather try to resolve this issue with Capital One and Kohls before I pull the trigger on the legal side. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-05-19 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the 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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have attempted multiple times to contact Chase with no success. I want to close my two accounts I hold with them because I have been impacted by the current COVID-19 but when I log on to try and get assistance as they claim through their website, it says my accounts are not eligible. I want to try and set up payments to pay off my balances, but I can't get anyone to help me. It seems convenient for them to not be available to take my calls and yet still charge me interest and late fees on accounts that are " not eligible '' for COVID-19 relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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