vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX XXXX XXXX dealership for day one due  to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX  several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX reports as settlement accepted on this account or paid account/zero balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX   XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and Equifax reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX  XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is a continuation of complaint # XXXX. 

We agreed to settle this complaint for {$3500.00}. Our attorney has been trying to reach The Fifth Third attorney since XX/XX/2019 and still has not heard anything. 

It is bad enough that 5/3 let my XXXX year old mother walk out of their bank with {$54000.00} cash, now they won't even give us the money they said they would give us. 

Again, she came into the bank five times taking anywhere between {$4000.00} and {$21000.00} in CASH each time. They knew something was wrong but did they put a flag on her account - NO. Did they call me the co-owner on the account - NO. 

Financial institutions need to take some responsibility for the negligence they showed in protecting my mother 's money. We need to put more regulations in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2019 I purchased a set of 3 robot vacuum for {$190.00} and a warranty for another {$20.00}. The ad showed and specified that they worked on any surface, carpet etc. When I got them, they did not work. I immediately asked for a prepaid return label to return them. They could have been damaged in delivery or defective but its probably just a dishonest company pulling a scam and using USPS to do it. I then informed PayPal that I refused to pay the charge or the s & h and requested them to recourse it back to the merchant. If the merchant would like to sue me they are more than welcome. If they want the merchandise returned, then they will have to send a prepaid return address label. I have called PayPal numerous times and been transferred to all their departments from PayPal credit to resolutions and back again and to various managers. Thus far they have refused to recourse the charges back to the merchant as I requested. I refuse to pay the charge and have made that clear since I received it. My understanding is that I have that right with any credit card charge. Please help. 
Thank you for your time.

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 2019-06-12 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: Innovis
State: GA

Complaint narrative:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Step 2 : What type of problem are you having? 
My due date is XXXX of XXXX my payment due is under {$30.00} I made a payment on XX/XX/XXXX for {$80.00} after being told by a best buy representative that the payment of {$150.00} was processed on XX/XX/XXXX but the payment of {$27.00} was due for XX/XX/XXXX. 

Step 3 : What happened? 

Upon calling the automated system XXXX I saw that a payment was still due for XX/XX/XXXX I called a rep of Citi cards that inforned me that the statement hadnt fallen when I made the XX/XX/XXXX payment and she would not be able to fix the system so that I wouldnt get a late fee. Upon speaking with a supervisor which very rudely explained that the new statement drops on XX/XX/XXXX but was unable to provide any understanding as to how the rep saw the statement/payment due before the statement dropped and very rudely herself pushed me to make a payment one day before it cycled as due. When I asked about the XXXX payment and why it hadnt gone toward XXXX, she answered in a very curt tone saying she knows nothing about how payments are accessed. I would need to call Citi bank Step 4 : What company is this complaint about? 
Best Buy/Citi bank

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my checking account balance via ATM in XXXX XXXX Louisiana as I was planning to make a purchase and noticed that my account balance was off by {$8600.00}. I immediately called USAA to report fraud on my account and come to find out I was actually negative {$17000.00}. I was under the impression that this account would be closed due to the recent fraud activities and I assumed no other transactions would be allowed. On XX/XX/XXXX my military paycheck was accepted into this same " closed '' account in which I argued with a CSR via phone but it was never refunded as USAA claimed that I was responsible for the fraud. At this point, I let it go and open another account with a different bank thinking this will eventually be resolved and I'll be refunded at least my last paycheck and they will check camera 's etc and see I was in another state and it was not me. Time goes on, I let it go until XX/XX/XXXX when I received a letter from the IRS stating I failed to claim the discharged debt of $ XXXX as income and therefore I now owe the IRS XXXX XXXX. What? I call the IRS to dispute and this is when I was told that USAA discharged $ XXXX and I was responsible for the taxes. A second letter was sent from the IRS demanding payment immediately and this prompted me to call USAA and ask specific questions regarding the fraud investigation. I spoke to a banking CSR named XXXX on XX/XX/XXXX. She was very helpful and answered a lot of questions as to the dates and amounts of the checks, the name of the account holder of the checks and she stated that she was looking at a copy of the checks as we were speaking. XXXX also mentioned that someone had called prior to XX/XX/XXXX and requested a withdrawal limit increase. I requested that a copy of the fraud investigation be sent out ASAP so I could forward this along to the IRS but I never received it ( XXXX stated it would be 2-5 business days ). 

USAA told me they sent a card to XXXX where the fraud was located. It so also happens to be the location of a USAA bank. USAA also concludes this investigation in less than 2 weeks. There are numerous complaints by numerous people claiming the same things happening to them. USAA sends me a letter stating that they failed to investigate fraud. But then simultaneously claim they actually investigated this claim. But somehow I was simultaneously in XXXX where the fraud took place and the fraud division is located.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC
State: FL

Complaint narrative:
The debt is with flagship acceptance I had a auto loan with them few years ago which ended on XX/XX/2015 the debt was sold to XXXX XXXX XXXX, XXXX XXXX then sold the loan back to flagship this needs to be deleted from my credit report XXXX XXXX has been deleted but flagship is still showing i filed a complaint with XXXX they wrote me stating i need to contact them for the removal of this on my credit report its showing as negative when it should say deleted like it says for 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 2019-06-12 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: AL

Complaint narrative:
Since XX/XX/XXXX, I have sent letters requesting account verification on the XXXX/XXXX account reporting negatively on my Experian report. Each time, I have received a response noting that the account has been verified without any supporting documentation. On XX/XX/XXXX, I filed a formal complaint through CFPB with XXXX disputing the inaccuracies on this account. On XX/XX/XXXX, XXXX responded, " It is important to note that XXXX  did not report any negative tradelines regarding Ms. XXXX or her account to the credit bureaus. On XX/XX/XXXX, XXXX ceased any further collections and returned the account. XXXX hopes this resolves Ms. XXXX complaint. '' After the availability of Experian 's XX/XX/XXXX credit reporting, the account again appeared on my report. On XX/XX/XXXX, I called the original creditor to inquire about this XXXX account that is listed on my Experian credit report. I spoke to a customer service representative at XXXX on XX/XX/XXXX. This individual informed me that their company does not collect on the account in questioned, that perhaps, if it was, neither is it with a collection agency. In writing, XXXX XXXX have stated they do not have an application with MY signature on file. How did Experian verify this account without without any documentation? If Experian is unable to perform a reasonable investigation, or they unable to locate the necessary documents to investigate my dispute ; then they are required by the FCRA to remove the negative information from my credit report, which can also include complete removal of the account. 
Please note that XXXX nor XXXX  reports this inaccurate account on their reports for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian keeps reporting me as having NO CREDIT SCORE, but I have 6 open accounts, in good standing and have credit scores with both other reporting agencies.

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 2019-06-12 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: TX

Complaint narrative:
sent ftc violation for my claim had my police report the company taking 90 days to complete this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
Yes I pod my house in full via wire transfer from XXXX XXXX. XX/XX/XXXX I kindly requested a letter showing I paid off my mortgage. Instead they are sending me to collections and not taking my online account and zero it out. I did get a fax with the payoff ran to the bank made sure wire transfer was done. Keep getting XXXX call center then transfer after average of 1 hour. I need letter for my realtor and my insurance company and they need to update as promised all my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
One of the actions of the 2011 Dodd-Frank legislation was the transfer of HMDA and CRA reporting for JPMorgan Chase Bank , National Association ( JPMCB ) to CFPB. However, I can find on CRA Reports for JPMCB or Chase Bank USA, N. A. since the JPMCB Large Bank Report of XX/XX/2013. ( By the way, this report was done by OCC and used Respondent ID : XXXX, however this was not the respondent ID for this bank at this time, it was XXXX. ) Even more troubling is the fact that I can find no CRA reports from any JPMorgan Chase and Company affiliate, subsidiary, or bank since the fraudulent XX/XX/2013 CRA Report. 
The Community Re-Investment Act ( CRA ) was created by Congress to ensure that large multi-national banks such as JPMCB are serving the needs of economically-disadvantaged inner-city areas and MSAs. It is clear that CFPB is not going to fulfill it's fiduciary responsibilities to ensure that both HMDA and CRA reports are available to consumers, but WHAT Else Is New? 
Attached is more detail information regarding this complaint. 
Thanks for your help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent ftc violation for my claim had my police report the company taking 90 days to complete this

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