vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. 

This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.

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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 letter to CEO of USAA, mr. XXXX XXXX " I have been attempting to access my bank account at USAA since XX/XX/2020, but have been hampered by missing IDs, passwords, account # s and money.

It has taken me several weeks to finally obtain a hard-copy of my Texas ID with a current address ( & new Cell Phone # ) in order to verify my identity with USAA security. I respect the security  protocols by which USAA ultimately protects the security of all account holders, however lately I am encountering senseless roadblocks by USAA systems which preclude me from rightfully accessing my account ( s ). My immediate objective is to reset my online ID & password, and update my address & cell phone " No response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of 2019, Macy 's put a late payment on my account. This was an auto bill pay issue and Macy 's recognized this on their end and said they'd get it removed from my credit report. It's been several months since I submitted my complaint, however the late payment has still not been removed. It's been reported by all three major bureau 's and has greatly lowered my score.

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 2020-04-10 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: CO

Complaint narrative:
I attended University of XXXX in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my XXXX  and Equifax. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CO

Complaint narrative:
I attended University XXXX XXXX  in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my Experian and XXXX. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.

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 2020-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was charged {$1800.00} by " XXXX XXXX XXXX '' in XXXX. I was travelling in XXXX and was not in the " XXXX '' region. I have never heard of this merchant, nor have I authorized this transaction. It shows that my card was swiped at this location. From further research I found out that the translation means photography company, yet listed as a bar / restaurant business. I do not know why it shows my chip was inserted and I do not have any other users on the same account. I also have not given any of my credit card information to this merchant. 

Originally I thought this was the taxi driver entering a wrong amount, as that was the only transaction I have made in that time frame. I tried contacting Bank of America as soon as I saw the charge to ask for help. It was filed as a claim to dispute the amount, when it should have been filed as a fraud claim. This claim eventually was marked closed and I was still charged this amount. I then called again to get more information and was told that BoA will ask the merchant for a signed receipt, a few days later I was told that they will not do that and it is deemed a " valid charge ''. It is ridiculous that BoA is claiming that I authorized a $ XXXX transaction it at a self serve kiosk that doesn't require a pin or signature. 

I would like CFPB to help resolve this and get BoA who claims that there is a {$0.00} fraud liability to keep their promise. I am happy to sign an affidavit or file a police report as proof.

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 2020-04-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020, I received notification from Chase to call their Fraud Department to verify a suspicious transaction. 

At that time, I spoke with a representative to confirm that I never made a purchase at {$1.00} at XXXX and have never made a purchase on that website in my life. ( I don't even own an XXXX or any other XXXX-branded products. ) He then told me it would be necessary to close out my account ending in XXXX and that a new card would be issued in 7-10 days. The new card ( now ending in XXXX ) arrived within the week. 

Today, XX/XX/XXXX, I received a letter that the fraud investigation has been completed and the original amount has been charged back to my new account ending in XXXX. The stated reason : " You have received benefit from this transaction. '' What?!?! 

So now I am being charged for a transaction which Chase previously flagged as suspicious and then, upon confirmation that I did not make it, subsequently closed my account due to this fraudulent charge - only to charge me for it 3 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have a student loan from Navient to pay for my student expenses from XXXX College where I received an XXXX degree in XXXX  and XXXX. I have paid this loan diligently for years. In XX/XX/XXXX I started to make large payments to this loan so that I could finally pay it off. However my loan balance does not reflect this. My XXXX XXXX loan balance was {$57000.00}. I paid a total of {$23000.00} from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX yet loan balance on XX/XX/XXXX was {$41000.00}. I asked Navient why my balance did not reflect my payments and they sent me a confusing response that I did not understand, about prime numbers and fixed variables. On XX/XX/XXXX my loan balance was {$41000.00} and the next day when I checked on XX/XX/XXXX my loan balance was {$41000.00}. Which means my loan balance had increased by {$17.00}. When I queried this, they were vague and confusing, letting me know the percentages of my loan interest, which incidentally did not gel with mine. 
On the XXXX of XX/XX/XXXX and on the XXXX XX/XX/XXXX I noticed I was charged a total of {$51.00} by Navient for something called a Loan Sale. I queried them about this and as usual they gave me a confusing response that I did not understand. However they insisted that my loan was not sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Conn's, Inc.
State: TX

Complaint narrative:
I checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. The credit bureaus removed this account and now have put it back on my credit report which 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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, XXXX, or Transunion, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.

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 2020-04-10 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: IL

Complaint narrative:
I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, Equifax, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX to XXXX made attempts to make a payment. I received confirmation of payment but it didn't process for some reason I recall retrying and resubmitting bank information with a man in XXXX or XXXX and I eventually saw dollar wise my account had been reduced which loosely corresponded to {$310.00} ( which was short the stated {$15.00} immediate reduction and it was short the 20 % off for signing-up for e-mail ) Last week I saw on my free credit score a charge, and now today on the paid experion access they were charging me more at {$56.00} or {$58.00}. 

I called customer service just before and a XXXX from XXXX ( unbeknownst to me that the govt. is allowing our personal information out of the country ) but she refused to remove these fees. 
I asked to speak with a supervisor and she claimed I would have to wait. 

I have to write quickly I am late

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 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: DISCOVER BANK
State: IL

Complaint narrative:
This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. And have previously sent this report to them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
No one has never contacted me about the bill. I did not know about any bill my ex wife maxed the credit card without my knowledge. I was homeless and had no where to live. I never knew about no bill because I did not make the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
For years, my wife and I have had a first mortgage on my home. The mortgage has always been current and always with timely payments. Initially the lender was XXXX  XXXX. Several years ago, the loan was assigned to XXXX, now called XXXX XXXX XXXX. By letter dated XX/XX/2020, entitled Notice of Servicing Transfer, we were advised that, effective XX/XX/2020, the servicing of the mortgage was being transferred by XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Indeed, I sent the XX/XX/2020 mortgage payment to the new servicing agent. 

On XX/XX/XXXX, I checked my Equifax and XXXX XXXX credit scores with XXXX XXXX and discovered that Equifax had lowered my credit score by 56 points and XXXX XXXX by 55 points, the reason being that my account with XXXX XXXX XXXX had been reported as being closed. My account with XXXX XXXX XXXX was not closed, it was transferred, presumably as part of a business move by XXXX in transferring the servicing on many of the loans in their portfolio. The action by Equifax and XXXX  was arbitrary, capricious and inaccurate as the transfer of the servicing rights should have had no effect on my credit scores. I am asking the CFPB to impose maximum sanctions and penalties against the two credit reporting agencies and to conduct a complete investigation as to how these agencies determine credit scores. This action by them severely affects me and must be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
ON XX/XX/XXXX, I CONTACTED QUICKEN LOANS BY PHONE TO DISCUSS THE POSSIBLE REFINANCING OF OUR HOME SINCE THE RATES ARE LOW AND WE HAVE A XXXX ARM AT 5.125 %, AND WERE HOPING TO CHANGE TO A LOWER FIXED RATE. A XXXX XXXX ANSWERED AND MY VERY FIRST WORDS TO HIM WERE " DO YOU FINANCE COOP LOANS IN FLORIDA? '' THE REASON I ASKED THIS WAS BECAUSE COOP FINANCING IS A RARE COMMODITY AND I DIDN'T WANT TO WASTE MY TIME. XXXX SAID HE THOUGHT SO AND WOULD CHECK WITH HIS MANAGER AND CALL ME BACK. HE DID CALL BACK AND SAID THAT QUICKEN DID FINANCE COOP LOANS. 
OVER THE NEXT 8 DAYS, WE WENT BACK AND FORTH PLAYING PHONE TAG ABOUT RATES, CLOSING COSTS ETC., UNTIL FINALLY HE GAVE ME THE VARIOUS RATES AND POINTS ASSOCIATED WITH A 15, 20 AND 30 YEAR FIXED RATE, AFTER OUR EXCEPTIONAL CREDIT HAD BEEN VERIFIED. HE ADVISED THAT WE HAD BEEN " APPROVED '' AND WOULD NOW BE FORWARDING IT TO HIS " DIRECTOR '' FOR APPROVAL FOR ADVANCEMENT TO THE UNDERWRITERS. I WAS VERY HAPPY WITH THE TERMS AND WANTED TO MOVE FORWARD. 
THE NEXT DAY, XX/XX/XXXX, A VOICEMAIL FROM XXXX TO PLEASE CALL. I DID SO AND FINALLY REACHED HIM LATER THAT DAY. HIS NEWS WAS THAT QUICKEN DID NOT FINANCE COOP LOANS IN FLORIDA, ONLY IN NY, WHAT! 
I WAS ABSOLUTELY LIVID, NOT JUST FOR THE TIME I HAD SPENT OVER MORE THAN A WEEK WITH THE GOING BACK AND FORTH AND BEGINNING TO PULL TOGETHER THE NECESSARY DOCUMENTS, BUT THE FACT THAT I WAS BLATANTLY LIED TO ON MY VERY FIRST CALL ABOUT COOP FINANCING! THEY PULLED OUR CREDIT REPORTS UNDER FALSE PRETENSES, SO NOW WE HAVE HARD INQUIRIES ON OUR REPORTS THAT WERE IN MY OPINION, FRAUDULENTLY OBTAINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.

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 2020-04-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS, U.S. BANKRUPTCY CHAPTER XXXX AND A FEW ENTRIES THAT WAS IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT BUT TO MY SURPRISE NONE OF WHICH BELONGS TO ME OR WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION OF THESE ACCOUNTS TAKE PLACE SO THAT THEY CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. THE ACCOUNTS DOES NOT BELONG TO ME AND SHOULD NOT BE REPORTING ON MY CREDIT FILE.

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 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stevens Business Service, Inc.
State: IL

Complaint narrative:
I just came across a derogatory mark on my credit for a {$65.00} collection notice, " opened XX/XX/2018 ''. It is reported under both " XXXX/XXXX  '' ( on XXXX  ) & " Stevensbs '' ( on XXXX  ). I've never been informed or have received any kind of notice or validation of this bill. As a result, I have never known there to be any effort made to collect this debt that is now negatively influencing my credit potential.

Company response to consumer: Closed with explanation