vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my XXXX  account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By TransUnion LLC. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX  on XX/XX/XXXX and was given the number to TransUnion LLC at ph # XXXX. TransUnion didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. TransUnion LLC stated they were sending the account back to the agency. I ask them for a name, phone, and address but, TransUnion LLC REFUSED TO GIVE ME THAT INFORMATION. TransUNion stated I need to submit once again the police report from orginal filed in XXXX with XXXX  breach which XXXX just adding. I was told my XXXX  that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone 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 explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX account # XXXX Please delete asap

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 2020-12-28 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: FL

Complaint narrative:
Please investigate and delete the following false accout : XXXX  XXXX XXXX account 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 2020-12-28 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: FL

Complaint narrative:
Please investigate and delete the following disputed account : XXXX Credit Card account 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 2020-12-28 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: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, SYNCHRONY/CARE CREDIT immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with SYNCHRONY/CARE CREDIT throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that SYNCHRONY/CARE CREDIT never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!

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 2020-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Closed three accounts with Bank of America on XXXX XX/XX/XXXX due to poor service and deceptive practice for overdraft protection which was charged to an XXXX XXXX XXXX credit card and then billed fees for cash advance. 

Called and closed checking, savings and Credit card. Bank told me to wait ten days for clearance of any or all charges. Sent me a refund check for savings and checking balances on XXXX XX/XX/XXXX. 

The reason I closed account was for overdraft charges to credit card and fees on XXXX XXXX and XXXX XX/XX/XXXX. The total was around {$260.00}. They never subtracted those fees, closed my accounts and on XXXX XX/XX/XXXX received an alert of delinquent account. 

Spoke with several Departments at BOA and each kept bouncing nme back and forth saying they can not help other department needs to help. Just paid so they would keep from ruining my 780+ credit score. Final call was escuse fronm Checking saying they can not see credit account and that is why they did not clear my charges before refunding my money. Spent at least 6 hours trying to get this straingt and still don't understand why BOA accounts don't interact with each other.

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 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit 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 2020-12-28 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
Please investigate and delete the followwing disputed account : XXXX XXXX XXXX  account 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 2020-12-28 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: TX

Complaint narrative:
I have contacted Experian on XX/XX/XXXX about Hard inquiries on my report. I explained to them I did not authorize these accounts and requested to have them removed. They advised me to contact the companies directly. I have reached out to these companies for assistance but they stated Experian is required to have these removed. I contacted Experian again and they are refusing to assist me in getting these accounts removed from my 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 2020-12-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX XXXX XXXX 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 2020-12-28 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: FL

Complaint narrative:
Please investigate and delete the following disputed account : XXXX XXXX XXXX account 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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received two monthly mortgage statements in XXXX, the second statement showed unusually activity on the account along with an increase in the account outstanding balance. The unusually activity shown on the statement is listed as " curtailment reversal '' and " funds reversal ''. I contacted the bank by phone and spoke to an agent. After 30 minutes of discussion and the agent placing me on hold each time I asked a question, I was told that my outstanding balance had not increased and a letter would be sent out to explain the unusually account activity transactions. I waited a week and no letter. So I called again and spoke with a different agent. The agent reviewed the account and previous notes from my previous call-in. After 30+ minutes with this agent, he indicated that a letter again would be sent to explain the unusually listed transactions and the account balance issue. Again I waited a week and no letter. So I called again. I spoke with another different agent and explained the issue. This agent would put me on hold after each question and come back with a short statement and then on hold again. This conversation went on for 30+ minutes. Finally, the agent stated the account outstanding balance had not increased during the time between the two statements and said a letter had been sent out to explain this. I stated to the agent I had not received any letter and that I was not in agreement on her explanation regarding the outstanding balance. She hung up on me.

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 2020-12-28 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 — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XXXX/XXXX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I am disputing the following account under FCRA : Accounts Receivable account # XXXX Please delete asap

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 2020-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
i have 3 collection ref # XXXX, ref # XXXX, ref # XXXX i never request this loans from any company. i have filled a police report because i was a victim of fraud, some is used my identity to request this loan in a Rapid Cash XXXX location. the only reason i find out about it, is because the run my credit report and i find out about this collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I initiated 4 transfers of {$500.00} each to someone ( {$2000.00} total ). On my capital one mobile banking app, it shows the transfer is scheduled for the XXXX, and there's an option to cancel transfer ( as shown in screenshot2 ). Since the transfer were for some emergency, I cancelled all 4 transfers and paid the other party by another way. The charges then disappeared from my bank statement and money was returned to my account immediately ( as shown in screenshot 1 ). After nearly a month, on XX/XX/XXXX, 4 charges of " XXXX XXXX transfer '' of {$500.00} each suddenly popped up on my bank statement ( as shown in screenshot3 ). After calling capital one, they told me those transfers were still sent out on XX/XX/XXXX, but was not debited to my account. I told them I did cancel the transfers on the XXXX, and when I cancelled the transfers I never received a single notification notifying me that the transfer would still go out. The app clearly showed the cancellations were successful when I cancelled them. Had I had any warning cancellations are not guaranteed I would not have paid the other party again. After calling capital one multiple times, they admit this might be a technical issue with their mobile banking app but refuse to take responsibility for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: FL

Complaint narrative:
I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Please delete asap

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Chase immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 
I was on the phone with Chase throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Chase never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now Chase is paid off but I have a XXXX credit score? This is not right at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: OR

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit 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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Prior to XXXX we lived at XXXX XXXX XXXX. We paid off a loan and have a letter stating as such. When we went to move in XXXX there was a lein on the address. After discussion with an attorney about cost, in an effort to expedite the sale and our move, we paid US Bank again. This month I have received a document from US Bank with my new address stating a delinquency notice XX/XX/XXXX for the amount of XXXX. We should have fought this the first time but with court cost and trying to move quickly we just paid it off. 

US Bank refuses to put anything in writing about this document. This may cause numerous consumers to pay an invoice thats not even valid. We have paid them twice and they are now requesting more from almost 10 years ago.

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