vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.

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 2020-11-17 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2020-11-17 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: NV

Complaint narrative:
There is a medical collection on my credit report that isn't mine. Please remove 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 2020-11-17 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: NJ

Complaint narrative:
Total Balance Due on the Account was {$32.00} ( XXXX XXXX  and XXXX XXXX ) as of Saturday ( XX/XX/XXXX ). ACH Payment made by phone for the exact amount ( {$32.00} ) on Saturday ( XX/XX/XXXX ). Confirmation # XXXX - which should have XXXX ( {$0.00} ) balanced the account. 

The Creditor refused to recognize the payment as on-time based on various cut-off times listed on the back of the statement. The account has steadily accrued interest and late fees to The Balance Due is now {$300.00} and is displayed as a negative CHARGE-OFF item on my credit reports ( specifically XXXX  ). After conferring with the creditor by phone and by documentation, they refused to recognize my on-time payment. After making several attempts with the Creditor to resolve this issue, I requested ( by phone and by letter ) that the account be closed out on XX/XX/XXXX. 

I would respectfully like to request the following : 1 ) The Late Payments be removed from my credit report for the following months : XXXX thru XX/XX/XXXX. 
2 ) The Charge-Offs be removed from my credit report for the following months : XXXX and XX/XX/XXXX. 

Note that I was referred to your Agency by the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On or about XX/XX/2020 I initiated a credit balance transfer to be issued by wire to my bank due to overpayment. 

On XX/XX/2020, I was notified in clear terms that the wire transfer would be completed. Wire transfers take hours, not days. 

On XX/XX/2020 I initiated contact with amex through multiple channels and spent a cumulative total of over 2 hours across two days in unsuccessful attempts to get the funds due to me on this account which total {$7100.00}. 

I've received different answers from multiple different reps as to both the cause as well as when I'd receive the funds. 

AMEX is holding almost {$7200.00} of my money at this time without permission and after clearly articulating that the wire transfer was going to be completed more than one week ago. 

If this continues through the close of this week, a small claims suit will follow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 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:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXXThis is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX, This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXXXXXX XXXX XXXX. This Account does not belong to me. Public Record US BKPT CT TX XXXX XXXX I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. 
INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX  XXXX XX/XX/2020 and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XXXX XXXX # XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, TX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2020-11-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had a collections from XXXX XXXX on my report. I disputed and Experian deleted the acccount. Then the debt collector sold my account too another collector and Experian will not delete the account even though they did before. I have shown them proof of what they did before and they won't change it back.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: RI

Complaint narrative:
amerihome Mortgage erroneously included an extra insurance policy into my escrow whereas I only have one policy. Because of that, my monthly mortgage payment has increased by more than {$100.00}. I have called them 5 times and emailed multiple times and they have not corrected the escrow and monthly payment. It has been about 3 months and they completely ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was a victim of identity theft about a year ago. I set up account with all credit agencies, including email/password accounts ( strong password stored in password manager ). 

I went to sign in to my Experian account and it isn't accepting my username and password. 
I go to password reset and it says it sent a reset email to an email that is not me. 
It seems clear someone has gained access to my account and changed the contact email. 

I've called every phone number i can find on their website. I can't get through the menus to talk to someone about this. There appears to be no mechanism to get this fixed. Meanwhile, someone has access to my crediit report and was able to acquire it by taking over my Experian account.

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 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: MI

Complaint narrative:
On XX/XX/19 called orginal creditiorc after seeing new address add to my credit report and services i connected the company advised unauthorized as i dont reside there there notes indicates closed no balance.Company not sure why months later ipen same fraud address and sent collections after account was closed. There cooperate supervisor didn't see this as a problem and calling billing to correct collections refused to return acct and delete any personal information profile from there system which should not be there but do to original credits error

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, Nissan Motor Acceptance Corporation ( NMAC ) stated in their response to my complaint CFPB file # XXXX that NMAC has no record of receiving any payment for {$410.00} in XX/XX/2020 and that the account is being reported accurately as charged off with # XXXX they also said that they have no affiliation with the credit reporting agencies and does not determine the information each credit bureau select to report and requested that i contact XXXX  directly to dispute the fraudulent credit reporting. 
Well i have disputed directly the fraudulent credit reporting with XXXX. 
XXXX  responded and told me that they do not report anything on the consumer 's file without the data furnisher requesting them to do so. NMAC is the data furnisher in this case. So according to XXXX  NMAC has reported a payment of {$410.00} on the account in XX/XX/2020 and a payment of {$410.00} on XX/XX/2020. 
Please note that i am not complaining about the status of this account but it is unlawful for NMAC to report false information on my credit report and deny it.

i have sent a certified mail with return to NMAC disputing these fraudulent charges which has been delivered but i haven't heard back from them. 
i have attached copies to this complaint for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: AZ

Complaint narrative:
Transunion 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 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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Contacted Experian XX/XX/XXXX and XX/XX/XXXX of this year because of inquiries that were placed on my credit report. 
These were unsolicited items. They items were credit offers that I did not solicit these offers since I current have 9 credit cards with only two having balances. They were added on the report XX/XX/XXXX and XXXX respectfully and XX/XX/XXXX all this year. 

I have no accounts associated with these inquiries as well being reported by Experian on my credit report. 

The following inquiry was to bet a soft inquiry for membership with a credit union XX/XX/2020. The address is actually incorrect as well. Should be XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. Which not only a hard inquiry when it should be a soft inquiry but the reporting of the address is inaccurate which is a violation of the FCRA.

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 2020-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report as XXXX  and XXXX  has now removed this from their files as it does not belong to me please.

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In early XXXX of this year, I recently applied for the Chase Ink Visa business card account and was declined given the reason : Business too new, '' despite having provided an established and valid EIN and a personal credit report which they obtained from XXXX that indicated a nearly top score. Additionally, they assigned me their own internal risk score of XXXX out of a possible XXXX. All possible indicators demonstrated extremely high credit worthiness. On XX/XX/XXXX, I wrote to Chase regarding this nonsensical decline, providing further evidence of the business 's validity, it's banking account information, secretary of state filings, federal EIN filings and proof of contracted, recurring revenue far above any reasonable threshold for credit issuance. After a few weeks, they reopened the application then closed it in mid-XXXX  with the same boiler-plate response of " business too new. '' I thoroughly reviewed all of their published requirements, terms and conditions prior to applying for this card, and nowhere is there any stipulation of minimum business age. After speaking with a supervisor of the responsible team at CHASE, I was informed of their policies to decline new businesses and that they refuse to publish those policies because they do not want to deter people from applying. It seems highly inappropriate for Chase to have executed a credit inquiry against my SSN for a product that based on their known internal policies was already predetermined to be denied. I requested that they remove the credit inquiry and the supervisor declined. 

This is an absurd and deceptive policy that seems designed to harvest information with zero sincere intent of providing the applied for product. I have zero interest in doing further business with Chase on this matter, at this point I simply want their ridiculous inquiry removed from my credit history. This is a simple request that they have no reasonable cause to deny other than seeming laziness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: PA

Complaint narrative:
I haven't had access to my funds for almost 3 months. I have ordered 5-6 replacement atm cards and they never arrive. NEVER. I haven't had access to my money for way too long. I can't pay my bills, I can't eat. When I call I can't even understand the people on the other line. Very poor customer service. Even when you are really nice, they will put you on hold till you hang up, transfer you without warning to the wrong department, or make promises that never materialize. It's extremely frustrating. How hard is it to mail an ATM card to someone? It should only take 2-3 days. Meanwhile, they keep charging me monthly fees, XXXX $ for replacement cards, and won't let me transfer these funds to my bank account or any other account. How does this company exist? This is theft by deception. I need my money and they make it impossible to obtain 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 2020-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Failure to XXXX. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Credit card company just reduced my avail credit by nearly 40 %, received letter dated XX/XX/XXXX after I made 2 large payments ( {$10000.00} XX/XX/XXXX and another for {$4500.00} on XX/XX/XXXX ) to cut my available credit from {$22000.00} to {$13000.00}. Their action significantly reduces my flexibility. Ive been with this card since XXXX nearly 20 years, have NEVER missed a payment and have maintained a mid XXXX credit score. Im furious with them. I would not have made those large payments if I knew they would cut my avail credit. When I called them, they stated the only way to even be considered for a credit line increase, would be to re-run my credit score. No way will I let them rerun my score, the letter they sent me stated XXXX had me at XXXX on XX/XX/XXXX, why rerun my score? Their letter and my conversation with customer no service stated " balances owed on accounts too high '' and " balances on accounts are too high compared to credit limits '' They just did that too me for sure by reducing my limit bringing balance and amount owed too close again. In addition, my credit file has an account on their that isn't even mine so I'm sure they listed that as an issue as well. I have no recourse on them, so frustrated and disappointed, again after 20 year customer even when my income has gone up steadily by more than than 125 % since I opened that card. All increases have also been on them voluntarily, not by my requesting them. They have made thousands in interest on me. I feel stuck, please help.

Company response to consumer: Closed with explanation