vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 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: IN

Complaint narrative:
I was emailed by a company I do business with my credit rating went down. It when on state the reason, which was I was delinquent on a mortgage. It also stated as being reported by TransUnion. 

I called the bank and read them the riot act for showing delinquent on a loan I had paid off. The bank responded by telling me they never reported that. 

I called TransUnion, and asked how they made such an error. I was emphatically informed how wrong I was, that TransUnion couldnt have made the error, and I needed to demand that the bank contact TransUnion and fix the banks mistake. I did file a dispute with TransUnion. 

I emailed the bank, they sent a form to TransUnion informing them again on my loan status. The same day I emailed them, they sent it. 

Now I call TransUnion, they tell me they cant see my account due to the dispute. I cancelled the dispute so they could see my account. They saw the statement from the ban yesterday & from mid-XXXX. Neither showed me being delinquent. TransUnion continued to claim the bank made the mistake. I asked they pull the statement that preceded the XXXX statement. She claimed she couldnt. We all know TransUnion has that information. Lets guess, the previous statement was from mid XXXX. Why would TransUnion update my credit report in early XXXX fro a statement from XXXX, and why they would ignore the XXXX statement? And that supposition is based on me being truly late, which I wasnt. 

Why can they screw up and I pay the price?

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 2020-07-18 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: GA

Complaint narrative:
XXXX and Trans Union, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to XXXX XXXX for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.

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 2020-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX and XXXX XXXX, two major credit reporting agencies are continuing to post fraudulent account that was created due to an identity theft crime. 
To support my statement, I have submitted two separate identity theft reports from FTC and XXXX county police department ( police report ). 
Worst part is that both companies failed to notify me via mail, the reason why the account is being re posted ten days prior of doing so. This is a clear violation of FCRA. Credit reporting agencies must notify the consumer ten days  before re-posting an account or an item that was removed from the report if they wish to re-report the account or item information. 
Also, I would like to make an official complaint to Capital one for their attempt to collect the debt that I do not owe and reporting fraudulent account that was made because of an identity theft. 
I will attach previously mentioned identity theft report from FTC and police report that was filed to XXXX county police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: FL

Complaint narrative:
id theft victim. account that was charged off is not my account. already removed from equifax and XXXX 
XXXX for {$3600.00} is not mine XXXXXXXX XXXX  XXXX {$1900.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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:
id theft victim. account that was charged off is not my account. already removed from XXXX  and XXXX. 
XXXX  for {$3600.00} is not mine XXXX XXXX  XXXX {$1900.00} not mine

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called TransUnion multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to TransUnion with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from TransUnion that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( XXXX XXXX ) so that they change the SSN to the correct one. The next day, I contact XXXX XXXX and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that TransUnion is still reporting the wrong one. On XX/XX/XXXX, I call TransUnion again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from TransUnion saying that they went in and fixed my social security number, but my creditors ( XXXX XXXX and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with XXXX XXXX on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.

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 2020-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I submitted an online ( website based ) MyFedLoan e-mail request on XX/XX/2020 asking that all documents related to my loans be sent to me both electronically and by mail ( if there was a fee required I noted I'd pay it if I was directed how to do so ). I requested all documents, but specifically requested : 1. All previous letters sent to me including re-certification letters stating my repayment amounts for the year on income based 2. List of each confirmed qualifying payment ( including 0 dollar payments ) to public service loan forgiveness I have only received an automated response and it has been nearly 3 months. The automated response is attached to the complaint. I have not received any mail with the documents. I have not received an e-mail with the documents. I also have not received any e-mail directing me to their website for any messages related to this request or to the documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
They are charging me more interest than what is allowed by law. My current interest rate is 22.789 %. when the maximum for a auto loan is 16.00 %. This is predatory lending at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have an issue with my Apple Credit Card issued by XXXX XXXX Bank that I am hoping can be effectively mediated and resolved. 
I utilized my Apple Card with a merchant on XX/XX/2020 in the amount of {$8.00}. I use that card very infrequently and for smaller amounts. It is a newer consumer credit card for me, and I have been trying it out on occasion. Apparently, I forgot I made the charge and my {$8.00} balance went unpaid at the end of XXXX. By the end of XXXX I was still unaware of the charge on my account and I incurred another resulting interest cycle in the amount of {$0.00}. I received no notifications via email or otherwise of my late payment due until XX/XX/2020 when I became aware of it because I a received notification of reporting to my credit agency. On the XXXX of XXXX, I called Apple/ Goldman Sachs and reviewed my account with an attendant ( XXXX ) who confirmed that the email they had for me was not functioning and I likely had not received their notices of late payment. She apologized for the issues I was having as did I for the oversight itself. She agreed to send a dispute of the issue along with a request that the report be withdrawn from the credit reporting agency. What I received then was a series of automated messages from Goldman Sachs stating that the report was made correctly and there was nothing further that could be done at this time. My attempts in follow up to multiple attendants and supervisory staff on both XX/XX/XXXX and XX/XX/XXXX have only resulted in the same formatted email response. I have formally requested a goodwill retraction of this reported delinquency and have been refused that by Goldman Sachs at each turn. 
Previous to this incident, I had a perfect credit rating without a single late payment in over 25 years of consumer credit usage. With one late payment in this instance, my credit score went from XXXX to XXXX. I will unfortunately suffer unfair and unreasonable harm should this simple and minor miscommunication be allowed to stand on my file. It is within the banks discretion to retract this report as a show of goodwill considering the impact to me and the amount and time delay of the payment, yet they refuse to offer that resolution despite acknowledging the communication issue between us and refunding the {$0.00} interest charge. The impact to my credit and business credit lines will unfortunately cost me thousands of dollars in additional interest until this falls off my file likely years from now. I would respectfully ask for any intervention or mediation on my behalf to help resolve this matter and assist me in finding a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and Goldman Sachs ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a toll violation from NY XXXX, although I am an NJ XXXX holder. I sent the state of New York a check for the amount of the toll. They continue to demand I pay {$100.00} on top of the money I paid them via check for the toll I used that must have no registered in their state. Being that it is a pandemic AND I did pay for the toll that they did not allegedly receive, I do not feel it is appropriate to fine me {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this XXXX, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX  XXXX. I was told the was processes on the XXXX on XXXX ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the Branch ( XXXX  XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this piont I am not making anymore payment. XXXX  XXXX XXXX there is no error on there part.So infract if they reverse the payment they sent my payment to someone else. Id id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX  XXXX XXXX got it reversed. I would been notified. I will enclosed my proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My debt was paid for by the hospital due to the financial hardship plan that I was approved for. I do not remember the exact date but the hospital XXXX medical approved me for it before they switched to XXXX hospital. Ive also went in and checked to see if this information was still correct and they said this should not be on my credit as well. I paid my sergeant bills as well so i do not know why this is stil on 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 2020-07-18 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: TN

Complaint narrative:
On XXXX XXXX I sent an Express Mail Letter via the United States Postal Service to Experian requesting a Method of Verification on a 30 Day Dispute Results that I had Received from them on XXXX XXXX 
The File Number for the Dispute is XXXX One of the Accounts was a XXXX XXXX XXXX  XXXX Account Number XXXX On my Recent Credit Score Results ... my FICO Score dropped by 14 points ... They Reported 20 Chargeoffs on XX/XX/2020 ... Now they have 30 Chargeoffs in XXXX XXXX 

Experian continues to ignore my Request to get Information on their Method of Verification of this Negative Inaccurate Reporting on my Consumer Account ... 

XXXX  has already Removed the same Account in 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