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

Complaint narrative:
there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.

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 2020-05-05 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: PA

Complaint narrative:
there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.

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 2020-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a backpack from an international merchant and the item I received was different from what was pictured on the website ( see attached ). I filed a complaint with the merchant but did not get a satisfactory response so I filed a credit chargeback in a timely manner. I was told I could not be refunded unless I sent the item back to the seller and to coordinate with them but I did not feel I should have to be responsible for international shipping charges to send the item back. Later I sent the item back to the seller and asked AMEX to reopen the case, but they still decided it in favor of the merchant despite uploading tracking information and proof that I sent the item back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to experian, XXXX, and XXXX, to remove account : CHILD SUPPORT ENFORCEM under 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 2020-05-05 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: CA

Complaint narrative:
JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. Recently became aware that account was delinquent and had been closed. 
Found this out after a rental company pulled my credit report. Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. On Chase account online, there are no No notices or letters on my account. There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. 
The creditor did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
first let me start by saying I do not owe anything that is in collections, I have had nothing show on my credit report as owing a debt, and I have received no notices in the mail regarding owning a debt that is in collections. This company Sequium Asset Solutions located at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX repetitively call me and my mothers phones from spoofed local numbers when I do not owe anything that is in collections. When I called the number back, instantly there was a recording to state you were calling Sequium Asset Solutions and then rambled off a debt owed amount without even speaking to someone or confirming who was on the line ( isn't this illegal? ) once I was connected to a representative and I asked to not get phone calls anymore, they instantly hung up on me before I could even muster that sentence out of my mouth. This company also TEXTED my phone before with a link to collect debt, obviously I did not click this. I am concerned this is not a legitimate company, collecting on debts that are old/do not belong to people or are scammers. The calls have been going on for a week now and finally today ( XX/XX/2020 ) I have had enough. This " company '' uses very deceptive practices. I also noticed upon a quick XXXX search of this " company '', numerous people have stated the same or similar events.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
The mortgage company reported my mortgage as forbearance but my loan is supposed to be reported as on time and current based on the guidelines by the Care Act. This is negatively effecting my credit. My credit card company reduced my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I overdrafted the account because a merchant who said they would post a day later posted a day earlier than they indicated ( it was the {$7.00} transaction ). I want to get the overdraft fee refunded. Additionally, I am entitled to 3 refunds by chase a year and didn't reach that so I don't know why I can't get the fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I only have XXXX XXXX card that I began using in XX/XX/2020. My monthly payments from XXXX to XXXX were paid on time and in full for each month In accordance to TransUnion, my credit score went down 5 points. I have been making my payments on time for each month. As of XX/XX/2020, I had a {$0.00} balance. I owed {$63.00} for the month of XXXX. On XX/XX/2020, I paid the complete balance of {$63.00}. 

Why did my credit scores go down 5 points?

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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a friend sent me {$450.00} to send to a bank in California for a collateral payment on a loan she was trying to get for a car. The person said it could only be sent through zelle. My friend sent me the money in XXXX XXXX, I transferred it to my bank account, and sent the money through zelle to XXXX in the total of {$450.00}. On XX/XX/XXXX the person asked for another {$1000.00} to pay for some type of insurance, my friend told the person she was no longer interested in the loan and asked her for her money back. The woman hung up the phone on her and blocked her. I called my bank ( XXXX XXXX XXXX ) they were not able to do anything, and my friend filed a report. I have emailed the person and sent a request through zelle for {$450.00} to get the money back and heard no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC

Complaint narrative:
My wife XXXX and I ( XXXX XXXX XXXX ) refinanced mortgage on home loan in XXXX of XXXX. Went from Prime Lending, A Plains Capital Company to XXXX bank for my mortgage on home at XXXX XXXX XXXX XXXX XXXX SC XXXX loan # XXXX A disbursement check ( # XXXX ) from escrow was mailed out on XX/XX/XXXX in the amount of {$3400.00} from Prime. The check was lost in the mail and I received it in XXXX of XXXX and could not cash check because it was older than 180 days. I called Prime to reissue the Check on XX/XX/XXXX. XXXX indicated there was no problem and they would reissue check. 

I have been trying to get that reissued check for 2 months with no success. ( Prime claims there is a glitch in their system ) I have called Prime in excess of 10 times over this period. 4 supervisors over this period were to have called me with how they were going to expedite the check. Not one of these supervisors ever called. When I asked for a number I could call to get a supervisor I was told numerous times I would just have to keep calling the main customer service number and get transferred to a supervisor. This was not true. All call center reps work from home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Prime loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-05-05 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-05-05 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX    XXXX {$720.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX {$630.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}

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
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}

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
Consumer complaint received 2020-05-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I had my handyman replace 6 floor tiles in my kitchen. He ended up taking 5 days, used up 40 tiles and charged me {$720.00} for the work as he charges hourly. I have used him for years and felt bad not paying him for his time. The tiles started popping up and were not even sticking to the ground. I had to pay someone else ( who knew what they were doing ) to fix the job and buy more tile. I was now out {$1300.00} for a job that should have only cost {$400.00}. The original tile layer said he already spent the money I gave him and could not pay me back. I then disputed it with my credit card company. ( Barclays/ XXXX XXXX XXXX card ) They then went after his bank and took the {$720.00} out of his account. They put a credit on my account but a month later said they would not help me and charged me the {$720.00}. They said the " merchant '' would not help me as I did not pay the tile layer the correct way. The " merchant '' they are referring to is XXXX. I connected my XXXX XXXX card to my XXXX account so I can have the credit cards protection when I have to pay workers. XXXX charges a large fee for protection if I choose to pay a company and it charges a smaller fee if I pay a friend. Since I have the credit cards protection I paid him as a friend for a service. The credit card company says they did not take the money out of the tile layers account and claim XXXX did. XXXX says they have nothing to do with this. This transaction is between the credit card company and me. XXXX has told the credit card company that they are just a 3rd party and have nothing to do with this dispute and are not the " merchant '' the " merchant '' is the tile layer. I am now out {$720.00} and so is the tile layer. Credit card company is up {$1400.00}. I can not get anywhere with XXXX especially with Covid they will not answer disputes. I have written the company and called about 9 times since XX/XX/2020. Not getting anywhere.

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 2020-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
To whom it may concern, This is to report that my original line of credit with XXXX XXXX XXXX, which I have paid regularly for years, was sold to a company called Specialized Loan Servicing LLC and since then I have not been able to receive a statement with all the information required to pay my bill. They have my correct address because the send me letters saying my loan has serious defaults but when I called to request a proper bill they say they can not provide because my account is under maintenance. The loan number is XXXX and the latest costumer representative I spoke with was XXXX # XXXX. 
I need help solving this issue. 
Sincerely, 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, transunion, and XXXX, to remove account : XXXX XXXX XXXX under 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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, XXXX, and equifax, to remove account : XXXX XXXX XXXX under account number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone Open this account in my name without my knowledge.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I purchased a vehicle back around XXXX of 2019. Roughly 1-2 months later, I paid off the entire financing on the loan at once, which was acceptable since there was no early pay-off clause in my contract. 

That same day or two-day period, I called Hyundai Finance 's Customer Service Center and had them change my address as I was moving from XXXX to XXXX. Calling back in about 2 months later, I found out they had recently sent my title to XXXX and that it was unrecoverable. 

Since then, I've called 5 different times to get a Lien of Release, and each time they claim to send it, but it has NEVER arrived at my apartment ( I have a mailbox that locks, so it wasn't stolen ). They won't do anything to help me resolve it, nor will they show any proof of sending it. I can now no longer drive my vehicle since it needs to be re-registered in Indiana but I don't have a title or lien or release to do so. Please help!

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