vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-06-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  '' ... REMOVE ALL FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Blue Bird has done nothing to help the people like me because of COVID-19! I have not been happy in 15 weeks, no responce and no nothing, and all they can do is misplace pre paid debt card transactions, and charge me fee after fee! Please do not waste your time here! Worst bank I have ever dealt with in 43 years of wreckening. They NEVER answer customer service, promise to call back and dont, ignore emails. Avoid at all cost! Where do I begin? I would give a zero if possible. XXXX, XXXX closed my checking account for " fraud. '' I thank them. So that part is good. I don't want to do business with the clueless. First time I've ever been accused of fraud and thats not so its my dad. But they wasted three weeks of my time and made it difficult getting my {$25000.00} back from them. When I finally screamed at them that I don't care, we're done, give me my money back ... I got it back. Nice doesn't work. I moved from XXXX  to XXXX  and opened an account online ( big mistake ). The online portal didn't work right. So I called, ( all-total five phone calls ) to get it corrected. Finally, the transfer went through. After they got my money, they cancelled my account. The whole time I was locked out of my account and the online people said Blue bird would explain why ... they were also sending me " welcome to b '' emails. Blue bird "  We're here to help you. '' No joking, I'm serious. Cut to the end ... I don't know what the fraud was, because the final letter was vague and pinpointed nothing to help me out., have no debt, and a. Good luck, worst banking experience ever. If I could give zero stars I would! I was discriminated against, I am currently being falsely accused of committing fraud while I was trying to diversify my bank portfolio! They closed my accounts without any notification, it has been 2 weeks and I have yet to receive a written notice on why my accounts were closed and they are wrongfully holding my funds and refusing to release them to me violating Regulation CC. Filing complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello and thank you for taking the time to review concerns. Extending gratitude to XXXX   XXXX for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.

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 2020-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello and thank you for taking the time to review concerns. Extending gratitude to XXXX   XXXX for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.

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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Approximately XXXX/XXXX/3020 I called Specialized Loan Servicing regarding my mortgage. I have gotten laid off on XX/XX/2020. All I wanted was some information. All the had was a recoding forbearance information only.I never signed for one and never spoke to a human being. It automatically put me in forbearance. When I got an email regarding it I called back right away to try to tell them no I do not want it yet I just wanted to know what my options were. Since that day its been a nightmare. They will not take me off forbearance. They also took me off my automatic payment through my checking account at XXXX XXXX. I called several times but these are the dates Ive documented XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Every time I call they say theyre taking care of it and getting me off of it its been well over two months and Im still not off of it. I continue to get emails and letters telling me I need to make my payments or schedule something. I have made sure each payment has been made each month I am up to date. I have asked for a supervisor several times but none will call me back. It seems to me theyre keeping me on this forbearance so that they can get funds from our government. I also found out on XX/XX/XXXX my payment has still not posted and today is XX/XX/XXXX. I also have to keep watching my accounts they keep telling me they have me automatically taking my mortgage payment out. Not true. I keep watching that. This is the worst mortgage company Ive ever had to deal with in my whole life and Ive had several mortgages. I guess they believe theyre above the law. I want to see where my signature is for a forbearance.Thank you for your assistance in this matter

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 2020-06-10 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I WAS APPROVED FOR TOTAL AND PERMANENT XXXX DISCHARGE OF MY STUDENT LOANS OF {$63000.00}, ON XX/XX/2020 BY XXXX AND THE DEPARTMENT OF EDUCATION. ON XX/XX/2020 XXXX REQUESTED THE TOTAL AMOUNT OF MY LOANS FROM FED LOAN SERVICING, NUMBER XXXX SO THAT MY STUDENT LOANS CAN BE PAID IN FULL. AFTER SPEAKING WITH XXXX ON XX/XX/2020, THEY STATED THAT THEY ARE WAITING FOR THE LOANS TO BE TRANSFER BY FED LOANS SERVICING. WHEN I SPOKE WITH FED LOAN SERVICING, THEY STATED THAT THEY ARE WAITING ON DEPARTMENT OF EDUCATION TO SEND OVER INSTRUCTION FOR THE PROCESS. XXXX CAN BE REACHED AT XXXX. EVERY MONTH FED LOAN SERVICING IS REPORTING TO THE CREDIT BUREAU THAT I OWE {$63000.00} TO THE DEPARTMENT OF EDUCATION FOR FEDERAL STUDENT LOANS. FED LOANS SERVICING CAN REPORT THAT I OWE, BUT WILL NOT TRANSFER THE LOAN AMOUNTS TO XXXX SO THAT THEY CAN BE REMOVED FROM MY CREDIT REPORT AS OWING PAYMENTS. FED LOAN SERVICING NUMBER IS XXXX. IT HAS BEEN SO CHALLENGING THAT THIS COMPANY WILL NOT COMPLY WITH THE SYSTEM TO REMOVE MY LOANS AND XXXX HAS THEIR CHECK IN THEIR HANDS? I AM BEGINNING TO VIEW THIS WITH A DIFFERENT LENS. MAY BE ITS BECAUSE IM XXXX AMERICAN IS THE REASON THEY ARE NOT RESPONDING TO MY APPROVED APPLICATION FOR TPD DISCHARGE ON XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Dear Debtor, Your case file # : XXXX is handling by LEGAL DEPARTMENT OF  ACE INCORPORATION and we are working with FTC XXXX FBI and all the three credit bureaus, So now you may cooperate us in order to resolve the case file # : XXXX BEFORE WE DOWNLOAD YOUR CASE FILE INTO THE COURT HOUSE. 



This is in reference to your Case File # : XXXX XXXX with ACE INCORPORATION in order to notify you that after sending several emails we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with ACE is in Final Collections. According to our records, your outstanding balance was {$980.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance in order to take care of this matter, if you just make a payment by today then we will close this account as paid off in full with XXXX balance. Kindly reply back for the settlement amount. 



Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX  in XXXX OH since I wanted to open another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2 with absolutely no warning, I learned that all my other personal accounts are also restricted and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX  passport and they are green card holder and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages. It is funny that not even Branch Manager was aware that my personal accounts were to remain restricted and closed! I got penalized for no reason and no justification, but still I have to pay the price because of my in-laws ethnicity! Not all discrimination are captured on videos nor led to XXXX! Some discrimination are systematic! THANK YOU CHASE for treating your client who trust you with their daily financial needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2020-06-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I changed my address on one of the companies websites over a year ago and their records were not updated. They have 3 different websites- equifax XXXX equifax lock & alert and now my.equifax.com. i just need one site with everything on it without having to type a 'dot ' in the name. Also the website locked me out after i put in the correct password. It won't just tell me that i have to change my password-it leaves me wondering why i can't log in. Also when i had to call customer service over this the agent sent me a link to reset my password and after i reset it locked me out again for 25min. After that i was able to log in. This whole ordeal took 40 min when all i wanted to do was temporarily unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... REMOVE ALL FROM CREDIT FILE

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 2020-06-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX '' ... REMOVE ALL FROM CREDIT FILE

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 2020-06-10 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:
I previously sent 3 dispute letters to Experian asking them If it's not too much trouble be prompted this is my THIRD WRITTEN REQUEST and FINAL WARNING that I completely expect to seek after prosecution as per the FCRA to uphold my privileges and look for help and recuperate every single money related harm that I might be qualified for under Section 616 and Section 617 with respect to your proceeded with resolved and careless resistance. 
Notwithstanding two composed solicitations, the unconfirmed things recorded underneath still stay on my credit report disregarding Federal Law. You are required under the FCRA to have a duplicate of the first  lenders documentation on record to check that this data is mine and is right. In the consequences of your first examination and ensuing reinvestigation, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a customer contract with my mark on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) (  A ). Besides you have neglected to give the strategy for check as required under Section 611 ( a ) ( 7 ). It would be ideal if you be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " instantly DELETE all data which can't be confirmed. ". In the dispute results Experian responded back for the past couple of months, telling me they are not going to reinvestigate until I send them more information about the student loans and medical account. These following accounts needs to be deleted because Experian couldnt validate these accounts : US Dept of Ed : XXXX, US Dept of Ed :  XXXX, US Dept of Ed : XXXX, US Dept of Ed : 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