vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my Transunion and XXXX credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my Transunion file. As a result an inquiry now appears from XXXX   Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact XXXX  using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted Transunion dispute department on XX/XX/2020. According to Transunion it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover Transunion informed me that they do not have any further information as to the specific company outside of XXXX that requested to view my file. 

Despite contacting both Transunion and XXXX I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was charged for the below Amazon Digital purchases on my Chase credit card from purchases made via my Amazon account. The charges were for XXXX gift cards. I did not make these purchases. I have opened a dispute with Chase which they have closed and indicated that they would not refund due to me " receiving benefit from the purchases. '' I have also tried to contact Amazon multiple times and have not been able to get them to help me. I have repeatedly asked for someone from Amazon 's fraud department to contact me but they have not. 

XX/XX/2019 - {$75.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$75.00} XX/XX/2019 - {$75.00} Based on my experience, I believe that the following article describes the security issue that allowed these purchases : https : XXXX I believe this because I have two step authentication set up on my Amazon account and did not receive notification when these purchases were made. Amazon has not been able or willing to tell me where these purchases originated from. 

So I guess at this point, I'm not sure if the responsibility is for Chase or Amazon to refund these fraudulent charges but it has been very disappointing that neither company has been willing to work with me on resolving this. I am a longtime customer of both companies. 

I have been working with both companies since these charges occurred and just recently received the notice from Chase that these charges would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had a lease of 36 months with GM Financial that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from XXXX  credit that my credit had been impacted for a missed payment. Immediately I contact GM Financial but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from GM trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the XXXX  and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on GM financial for not sending me a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my XXXX  and XXXX  credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my XXXX  file. As a result an inquiry now appears from SYNB Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact SYNCB using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted XXXX dispute department on XX/XX/2020. According to XXXX  it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover XXXX  informed me that they do not have any further information as to the specific company outside of SYNCB that requested to view my file. 

Despite contacting both XXXX  and SYNCB I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: NC

Complaint narrative:
I have a 2nd job to pay my bills and due to the COVID 19 my income has been drastically reduced. I am asking for a deferred payment to the back of the loan. the servicer flagship cr acceptance is wanting to charge me during the non pay of interest. this is highway robbery. taking advantage of the situation. I am so upset right now. I can barely think.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Covid-19 Happened. We lost the financial means that would allow us to make our mortgage payments. We called our mortgage servicer numerous times with 2-4 hr hold times only to be transferred to another line to hold for another 2 hrs and have the rep pick up and get disconnected. We did this process many times with the same exact result. Additionally, we left messages for them to get back to us, we sent many emails as well with no reply. We also, as instructed by their website and those who did answer the phones, went to the " XXXX  XXXX  XXXX  '' link with the intent to fill out the form they say must be done BEFORE they consider you and nothing was, nor still is, found at the link given forcing us to call back only to have the reps say, " that's strange, it should be there but let me transfer you '' ... .never ending cycle. 

On there suggestion, we tried multiple browsers, XXXX XXXX, XXXX, XXXX, XXXX, and on multiple computers and at different times of the day and night to no avail. We were forced to use the limited funds we have for food and emergencies during this time to pay for XXXX because on their Covid-19 website they state the following : " Customers should not stop making mortgage payments until they have been approved for an alternate plan ''. We can not do this again. We are only trying to receive the help that has been set up by the Federal Government during this time. No one reaches out, no one cares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a mortgage account with PNC. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer did not send my reaffirmation papers. However, at the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by PNC. Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. PNC is not. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. I can't submit the request through PNC 's communication portal because I get a message that it's unavailable. They wouldn't accept my verbal request. I am simply asking that PNC report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS SELECT PORTFOLIO SERVICING INC. WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX, IS SENDING TO WRITER TEXTS MESSAGES REMINDING TO PAY WHICH WAS DUE XX/XX/XXXX. THEY HAVEN'T SEND ANY NOTIFICATION OFFERING ME WAYS TO PAY OR ANY ACT OF CONSIDERATION AS PER THIS UNFORTUNATELY SITUATION. I CONTACT THEM WITHOUT A POSITIVE RESPONSE. 
THEREFORE, I WANT TO REPORT THIS INSTITUTION, AND ASK YOUR OFFICE TO HAVE THEM CORRECT THIS ACTION AND BE MORE SENSITIVE WHAT IS GOING ON IN THE WORLD.. 

I AM A SINGLE WOMAN, AGE OF XXXX, WORKING TO COMPLY WITH THE PAYMENT HOWEVER I HAVE NOT COLLECT ALL MONEYS TO COMPLETE THE XXXX PAYMENT. PLEASE ACT ON MY BEHALF AND CORRECT SPS FINANCIAL ENTITY.. 

THANK YOU BEFOREHAND, FOR YOUR ATTENTION TO THIS REQUEST. 
XXXX XXXX TEL XXXX ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit 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: CO

Complaint narrative:
XXXX  and Experian should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened 2 disputes with Citi Card on XX/XX/2020. A hotel reservation was made for 2 rooms on XX/XX/2020 for an arrival date of XX/XX/2020. On XX/XX/2020 I inquired about canceling the reservation with XXXX. XXXX reached out to the hotel directly and told me that they agreed to refund the money without conditions. I realize that this is odd wording, but the official policy was that the merchant would keep the first night 's charge. I asked clarifying questions and the XXXX agent told me that the merchant had already started processing the refund and I'd receive it back in 48-72 hours. On XXXX, after XXXX told me I should, I opened a dispute with Citi Card. When I opened my dispute with Citi Card, I conferenced in a supervisor from XXXX who told the agent that the hotel had agreed to refund the full amount without conditions. Citi Card has this recorded call and has refused to provide it to me ( after agreeing to on XX/XX/2020 ) for a small claims case against XXXX. On XX/XX/2020 I was notified on Citi 's app that they found in favor of the merchant without any supporting documentation. On XX/XX/2020 Citi agreed to request an audio copy of my recording when I opened the case and the agent told me that I'd receive a call back from the investigator in 7-10 business days. This did not happen. I provided ample evidence ; all that could reasonably be available considering the case. All calls from XX/XX/2020 forward have been done on our business line due to built in call recording. The call from Citi on XX/XX/2020 is attached. Relevant information begins at XXXX. The agent agreed that the recording from XXXX exists and that they agreed that I would be issued a refund and that I could be provided a copy of that recording. On XXXX I received 2 letters from Citi explaining why they found in favor of the merchant. It said we were a no-show. I provided proof that we cancelled 3 days prior to the date of the reservation ( proof attached ). On XX/XX/2020 I was first made aware that Citi found in the merchants favor for a second time. I called and spoke to a representative that would not tell me why the 2 disputes had different statuses. He told me investigators do not have access to recordings. I asked to speak to a supervisor and said none were available and disconnected the call. I am disgusted at Citi 's handling of the entire process. Citi did not make a good faith effort to accurately or fairly resolve my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have talked to the company about my debt. I explained that I had a major car accident with an enormous amount of medical bills. I was not able to work so I don't have an income. Also, at the moment I am not working neither is my husband 's company is open. 
I asked for a deferment or payment deduction and they did not want to hear it. So, in turn now they are calling my parents and husband, etc. 

The company is PayPal and Synchrony bank The phone that calls is unlisted : 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