vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Had never even heard of Jefferson Capital Systems until I received a notification from XXXX XXXX my score had changed and I checked it. I have never received ANYTHING from this company in an attempt to collect any type of debt. On my credit bureau Jefferson Capital Systems is shown as " CLOSED '' but are reporting that I am in default to them although I have never had any type of corespondance with them. Jefferson is claiming I owe XXXX XXXX {$170.00} on an account I had CLOSED 7+ yrs ago WHEN my CONTRACT ENDED! They have NOT supplied me with ANY type of documentation, statement, account number, contract or contact I will be contacting the FTDCA dept. How can a company possibly report you as deliquent when they have NEVER contacted you! This is Blatant Violation of FDCPA rules and regulations. Time Barred Accounts and Non Validation of this account. I will be filing with the FTC and the Attorney General 's office as well regarding their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was originally approved with avail credit of $ XXXXon Chase Sapphire card. Yesterday I received notice from them they decreased my available credit. I have always paid them more than minimum payment .. on time no lates .I called Chase today. The rep told me that on a credit review the decision was made to reduce available crediit. I asked the rep why, since no lates more than min. Paid every month. She said the credit review determined this? No reason given. I told herthis change could potentially reduce my credit score. She advised me they dont care aboout credit scores. For someone that has been trying to fight bad credit score my whole adult life ... I do care .This is UNFAIR. If I had paid late or missed payments by all means reduce the available credit. This will only result in hurting my credit scores .Available credit cut almost in half. It makes me wonder why consumers try at all. This is a huge setback for me is all. No resolution from them except to say not their concern. So UNFAIR, as they had no reason for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
for the last year my score with all three bureaus are running mid 600s i am attempting to buy house so paid down all cards but kept open All of a sudden transunion dropped me 89 points and put my creidt score poor XXXX reason? decrease in balance? i waited thinking it was an error but no it didnt resolve I called transunion om Monday 12 Spoke to supervisor I told him that their scoring system must have a glitch no way score would drop 89 points for lowering utilization First he said it was two old accts that were paid but had late pays and then said no because this data has been on my report doe five years and i have good credit that is taking over He then said i need to use my cards charge them that zeroing balance dropped score I said wait so lowering my utikization dropped my score 89 points? 
the other bureaus have same info and still in the 600s i need help i now lost the interest needed to buy home see my report and alerts

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 2021-04-14 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: CA

Complaint narrative:
I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
Today, XX/XX/2021, I received an email that my Chime Account would be closed for no apparent reason. My account contained over {$3000.00}. After speaking with someone at Chime, they would not tell me why my account was closed or if I would be receiving my funds that were in my account. I have access to no funds and Im not getting any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
So I made a new business account to send and receive money from my small video editing and production business. I didn't face any problems until I one day got up to check my account and see that PayPal have limited it. I tried asking for the reason and why it got limited and never got a clear answer from them, until one of their employees said that this decision is final and we have decided to permanently limit your account, and the balance you have on your account will be held for 180 days and then they'll send me instructions on how to access them after that period. So I waited for 180 days and I went on and check that I can only withdraw money out of my account and not access anything else on it. So I tried to link my debit / credit card to my account but it said that I can't and the only way I can transfer money out of my account is by using a Local Visa Card or a XXXX XXXX Account, but I don't live in the US and they don't give Local Visa Cards in my Country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: UT

Complaint narrative:
On XX/XX/2021 the loans ( 2 of them ) were paid in full. The online account reflects this as paid and customer service also confirms this. The full balance of the loans still appear on all 3 credit reports as of XX/XX/2021. The credit bureaus have confirmed the last time Lendingclub reported was XX/XX/2021. When I spoke with XXXX on XX/XX/2021 he confirmed they normally don't report the paid in full balance once paid off. I have to submit a request to have the company report the {$0.00} balance to the bureaus. I do believe federal law requires the loan company to report correctly once paid. They are refusing to do so. I now have close to XXXX sitting on my credit that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Last month I called to report inquiries on my credit report that weren't made by me, I was told by a Transunion rep they cant dispute inquiries online or over phone that I had to dispute them with the credit companies, so I did that each one told me I had to contact the credit agencies and dispute them with them. So I tried speaking to Transunion again and they told me I couldn't dispute them.

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 2021-04-14 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: ProCollect, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I paid {$1800.00} to Procollect Inc to settle an unpaid debt. On XX/XX/XXXX they still reported to the credit bureaus that this balance was unpaid. Which is FALSE AND INACCURATE I FORMATION that should NOT be reported because it was PAID IN FULL XX/XX/XXXX! They sent me a paid in full letter XX/XX/XXXX and told me they would update my file to the credit bureaus which was a LIE!

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX, a new account was added to my credit report by AMSHER COLLECTION SERVICES for {$1100.00}. I have no knowledge of this account so on XX/XX/XXXX, I disputed the account online with XXXX and XXXX. I have disputed this account twice and it still hasn't been removed. I contacted the collection agency today to dispute the account and the representative stated, which I also have a recording, that the account was opened on XX/XX/XXXX, and the last payment was made on XX/XX/XXXX. But looking at what's on my report it's showing no payment history in XXXX at all. So I do not understand what's going on. Seems that the collection agency doesn't even have knowledge of who the account belongs to being that the dates she stated over the phone don't even match up to what's reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.

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 2021-04-14 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: CA

Complaint narrative:
I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

Citicards - 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 2021-04-14 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: CA

Complaint narrative:
I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. LVNV Funding wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. LVNV Funding also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting LVNV Funding delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
Some company by the name of Sequim put a collections from XXXX XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX. I have had another cable in my for years. I want this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my partner started complaining of cold-like symptoms that may or not have been COVID-19 related. Deciding to be cautious, we decided that we would like to cancel our SCUBA-diving trip ( scheduled for XX/XX/XXXX ). I emailed XXXX XXXX XXXX on XX/XX/XXXX about the issue and asked for a refund XXXX {$290.00} ). I received no response from XXXX XXXX so I called again on XX/XX/XXXX and spoke to an employee who said the owner was busy but he would convey my message. I again received no response from the owner until weeks later after I filed a credit card dispute with HSBC. The owner essentially called me a low-life and asked me to refer to the service agreement. I did refer to it, and it doesn't include clauses for COVID-19, which is understandable! This is a difficult and unprecedented time for everyone. We are a military family, not trying to XXXX anyone. 

We thought that given the circumstances of COVID-19, the owner of the dive company would at least attempt to provide us another date to dive, if not provide a refund. The alternative would have been going on a dive boat while I partner was feeling sick and freaking everyone out and possibly getting them sick! 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. HSBC simply responded it would look into the issue and contact me. I never received any contact from HSBC almost four months after the fact. 

My partner was tested for COVID-19 on the earliest possible date she could, XX/XX/XXXX. The results were sent to XXXX XXXX XXXX and HSBC. I submitted my emails to XXXX XXXX XXXX ( which I never received a response to ) to HSBC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased furniture from XXXX XXXX and financed the purchase via Affirm. One month after the initial purchase, I returned a rug to XXXX XXXX. After going back and forth with Affirm, they finally recognized that the loan amount had changed and was now reduced. They acknowledge that the loan would be reduced but when I sign into my account with Affirm, it still reflects the old loan amount. I've contacted customer service several times who have told me that due to technical restrictions, the new loan amount could not be displayed on my account. They assured me that the installment payments would add up to the new loan amount but could not display the corrected loan amount and interest. I have a right to see the correct, actual principal amount, corresponding interest, and total adjusted loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
We applied for a refinance on XXXX XXXX with Third Federal. We entered the date that we requested to close on the refinance for XXXX XXXX. We submitted additional documents after the initial application and Third Federal did not communicate that they were not able to close by XXXX XXXX. Our credit was pulled, we submitted w-2s, bank statements and tax statements at a later time than the XX/XX/XXXX. At no time did they include or disclose that we would not be able to close on the date requested. We contacted them the week of the XX/XX/XXXX to find out the status and a date for closing. We were told that it would be 4 months possibly more depending on underwriting. XXXX XXXX with the XXXX office told me on Tuesday XX/XX/XXXX that half of the application had not been reviewed. I asked if anyone was going to contact us to let us know that we were not closing on the date asked and she said no why would we. An appraisal was done on the property and would not have been done, and an extra pull on our credit. Third Federal was not clear about their business practices and let us think that we could pick the date to close by posting it on the application. They also did not provide a rate lock and have no idea what the rate could be in 4+ months. It was very misleading and a misrepresentation of their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
So I have already done a complaint about this, in my other complaint, I listed about XXXX false inquiries that were on my report, experian took care of XXXX of them, but thry claimed rest of them were not listed. Below are the inquiries that are still on my report that were not made by me, the creditors told me to dispute with experian but experian doesnt allow you to dispute hard inquiries online or by phone. 

those inquiries are XXXX XXXX XXXX XXXX  ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX Card - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX all these were not made by me, also the bankruptcy on my report doesnt belong to me, it belongs to someone else, Ive contacted the bankruptcy  court they said they do not confirm bankruptcies or verify them with credit agencies or consumer information service providers, they are claiming i have a bankruptcy, but have not verified it with the court, i am also disputing it with XXXX who is furnishing the data, who didnt verify it with the court, and only using last XXXX of social to compare data.

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 2021-04-14 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: CA

Complaint narrative:
There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.

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 2021-04-15 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: IL

Complaint narrative:
I contacted Experian to remove XXXX late payments that were unlawfully added to my credit report by XXXX XXXX XXXX. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.

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