vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX  XXXX XXXX I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than XXXX days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with 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 non-monetary relief
Consumer complaint received 2022-02-10 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX  XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX  XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with 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 non-monetary relief
Consumer complaint received 2022-02-10 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: TX

Complaint narrative:
Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.

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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I XXXX XXXX Report XXXX XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company Comenity Capital Bank Program. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MO

Complaint narrative:
Today XX/XX/2022 at XXXX cst. Chime closed my account, that i recieve my paychecks from and took my money. The shut me out of the app on my phone so I could not access anything. I have not talked to anyone, you can only email them. They told me to send a copy of my Id, and receipts of how i make money. I sent my check stub which is directly deposited into that account every XXXX weeks!!!! They haven ; t responded to any emails, or anything. Please close this company down. I read reviews of how the closed people 's accounts after their stimulus money hit. Said they had been closing out people account stating their sending the money to the government, which is a crock of XXXX. They owe me XXXX. I really need my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
i submitted a dispute for inaccurate information for 4 months in a row and they have yet to remove this account from their system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MI

Complaint narrative:
I reviewed my consumer ( credit ) report on XXXX XXXX, and noticed that there were several accounts that did not belong to me. I completed an Identity theft complaint at FTC. XXXX XXXX XX/XX/2021. I also notified the Consumer Reporting Agencies of the inaccuracy of the information on XX/XX/2021. I provided them a copy of the identity theft report along with the copy of my consumer report with the unauthorized accounts. This information is defaming my character and prevented me from obtaining a loan. The Consumer reporting Agency failed to comply to block and remove all negative information that was related to identity theft. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( I ) ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes

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 2022-02-11 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: IA

Complaint narrative:
In XX/XX/XXXX my Best Buy credit card was charged a XXXX fee. When I got the statement in XX/XX/XXXX I immediately disputed this charge. My credit limit was 6,000 and I did not owe a balance and had not used the card in over 13 months. 

Three months later Im sent a letter stating that the dispute department deemed this charge to be mine. When I called I asked for a receipt with my signature for them to produce and once they do I will happily pay the XXXX charge. To date they have never produced such a document, I then called the credit card customer service number and the representative indicated that I call the merchant directly. I called the merchant and they provided my credit card a pro-rata refund of XXXX dollars. I then notified Citi XX/XX/XXXX that the XXXX charge was fraudulent and they needed to either dispute it with the merchant or again send me a receipt with my signature on it. I heard nothing until I came today ( XX/XX/XXXX ) and they sent me a letter stating they reduced my credit limit from XXXX to XXXX dollars and the second letter was a statement saying I owed XXXX as they charged me a late fee and interest when I never got a billing statement in XX/XX/XXXX or a receipt with my signature on it. 

I called them today and spent 3 hours on the phone filing yet another dispute that I filed for a second time on XX/XX/XXXX and refused to waive the late fees and interest as well as reinstate my credit limit of {$6000.00}. They also reported me 1 time 30 day late with the 3 credit bureaus ( which I filed disputes with them too ). I yet again advised that if they provide me a receipt with my signature on it for the original XXXX dollar purchase I would happily pay them. The supervisor advised that she had to reopen my dispute from XX/XX/XXXX. 

Its perplexing to me that I had to fix the initial fraudulent charge and Citi can not honor their fiduciary responsibilities by protecting me from fraudulent charges to which I never made and they can not produce a receipt with my signature to prove their claim that I made this initial transaction on a card I had no balance on and paid off each month ( the last time I used I bought 900 dollars of stuff ). They also tell me they can not fix my credit balance and that I would need to reapply with them for credit to get my prior credit limit and then to threaten me with collections if I did not pay the late fees and interest on a charge I never made and had to fix as they did nothing.

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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
I received a collection notice from Common Wealth Finance on XX/XX/XXXX the notice stated they were collecting on debt in the amount of {$1200.00} for XXXX XXXX. The notice stated I had 30 days to file a dispute if I believe the debt is not my debt. I filed a dispute and sent it certified mail the collection agency received the disputed on XX/XX/XXXX. The collection agency did not allow me the 30 days to respond to the notice they sent the collection to be added to my credit report to all 3 credit bureaus. XXXX updated my credit report on XX/XX/XXXX, XXXX added this collection to my credit profile on XX/XX/XXXX and XXXX added this collection to my profile on XX/XX/XXXX. This did not allow me the 30 days to respond to the notice. I sent a notice requesting debt validation which was received by the collection company on XX/XX/XXXX as of today XX/XX/XXXX I have not received a debt validation response. I contacted Common Wealth Finance on XX/XX/XXXX inquiring about he response. I spoke with a representative named XXXX who verified they had received my request on XX/XX/XXXX and they were unable to provide me with he validation information I had requested. XXXX stated Common Wealth Finance had sent 2 request to their back office to send have the validation information mailed to me however she had not seen notification in her system that the response had been mailed to me. I also informed XXXX the company violated the FCRA when they did not allow the 30 days for me to respond before reporting this debt to the credit bureaus. XXXX stated the debt was not reported until XX/XX/XXXX which is incorrect according to my credit report notifications. XXXX stated this was an error created by the credit bureaus. XX/XX/XXXX I contacted XXXX, XXXX and XXXX inquiring about this collections account being added to my credit profile. All 3 credit bureaus stated the collections company reported the account to be added to the account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Repeated calls from port folio recovery even after being told to stop as well as telling them the person they are calling for is not here ( wrong number )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of XXXX I was in a car accident. They representative asked me for all my info for the car and I had sent a payment for that current month due. I did not know any better given the fact I had purchased XXXX coverage I thought I was going to be fine. Insurance claim for the other party paid car and I was then claim and coverage would pay off the car, leaving me with no car and they were paid then I received notification my credit showed it as profit and loss for an unknown amount. Then out of nowhere I received a XXXX check from JPMC Auto Finance and now they report it as negative and had I had all the documentation I would of taken care of this then, I was left with no vehicle this ding on my credit report and they have never sent me the documentation of the end result of my car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: CA

Complaint narrative:
Ameris Bank initially reported I had missed the XXXX payment which was paid in advance on XXXX. Now they are saying the XXXX payment is missing they are recommending I pay them again while they locate the lost money which they have already cashed. 

Below is the letter sent to Ameris Bank to on XX/XX/XXXX. I am going to have to make an I sent them 2 payments on this new loan one payment was sent on XX/XX/XXXX and was recorded by the tracker on XX/XX/XXXX for XXXX, the second payment for XXXX XXXX was sent on XX/XX/XXXX and was cashed on XX/XX/XXXX by Ameris this payment was sent to the XXXX location. Please help I can not afford to have his financial burden every month of making multiple payments because they lose the checks. There customer service gives a different explanation every time of which month and amount has been received. I don't want their errors to impact my payment history and it could result in a foreclosure based on their losing payments. 


I am writing because my mortgage payment for XXXX is lost. I sent a XXXX Cashiers Check : XX/XX/XXXX, XXXX : {$1700.00} The bank reports the cashiers check has been cashed. 
The check was mailed to : XXXX XXXX XXXX, XXXX, TX XXXX USPS Tracking number is mailed on : XX/XX/XXXX Delivery XXXX Please see attached a copy of my cashiers check payment stub. 
I am requesting this payment be posted asap and that my payment history not be impacted by your error. Please send me written confirmation of the investigation and the resolution of this important matter. 
I have NEVER had a late mortgage payment with prior lenders. I take paying my mortgage very serious. 
Thank you in advance for your assistance. 
Sincerely, Below is the tracking information from USPS website. 

Get the free Informed Delivery feature to receive automated notifications on your packages Learn More Remove Tracking Number : Your item was delivered at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 
USPS Tracking Plus Available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2022 I received a email from XXXX  XXXX saying I applied for a loan in which I have not please remove this inquiry off of 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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I am self-employed ( sole proprietorship, I work as an independent XXXX ). I utilize XXXX accounting software, and XXXX partners with XXXX, a subsidiary of Chase Bank, to process credit card payments from my customers. On XX/XX/XXXX somehow a hacker accessed my XXXX account through XXXX and changed my bank account to their bank account. XXXX initiated a transfer of {$4900.00} of credit card payments to the hacker 's bank account. XXXX does NOT allow for phone contact, so although I attempted to notify them of the fraudulent bank account, it took them XXXX days through their email " support '' system to attempt to intercept the payment. By then it was too late, and I have now lost XXXX XXXX of my income for the year thus far. Neither XXXX nor XXXX has offered to provide any reimbursement, support, or help in this situation. I am not a large business owner with employees and large income, insurance policies, etc. I am an individual consumer who works for myself rather than an employer, and as such I appear to be stuck in a loophole whereby the banks are not legally required to provide assistance for the illegal XXXX. I did not knowingly do anything to allow access to the accounts - I had different passwords for every business account as a layer of protection. XXXX and XXXX advertise their payment processing services as " safe and convenient '', but due to accepting their advertising push and utilizing these companies ' services to process credit card payments ( rather than insisting on only cash from my customers ), I have lost a sum of money that has caused extreme undue hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CA

Complaint narrative:
I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against XXXX XXXX for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

XXXXXXXX XXXX did not provide any answers. It is more than 60 days. 

XXXX XXXX even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

XXXX XXXX  is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.

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 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made my final payment in XXXX, everything went according to plan. Received the letter that account had been paid in full and the XXXX was released. XXXX, I received the title. Perfect Process. XXXX rolls around, I start getting collections calls, stating that I had missed my XXXX payment and that I was XXXX days past due. 

The only communication from the prior was your account is paid, and here 's you title, so why would I be looking to make additional payments.

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 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I XXXX XXXX Report Credit XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company XXXX XXXX XXXX  XXXX. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment

Company response to consumer: Closed with non-monetary relief