vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: NY

Complaint narrative:
Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with XXXX and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear 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 2020-05-01 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:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-05-01 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX  should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was able to identify two transactions on my credit card that were not made by me. The dates and amounts of the transactions were XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$800.00}. Both transactions were with the same merchant XXXX XXXX. 

On XX/XX/XXXX I opened a dispute for these transactions and Chase had my old card # closed and sent me a replacement card. I was told that an investigation would occur. Over a month passed and I heard nothing about the investigation, and my account was never credited back for these fraudulent charges. 

On XX/XX/XXXX I contacted Chase after looking at my account and noticing that I was re-billed for the fraudulent charges and they had been posted to my account on XX/XX/XXXX. I asked if I could be told why I was re-billed and I was told the team that answers for fraud investigations is currently closed for calls due to COVID-19 but they will reach out to me to discuss. I was provided the phone number for their fraud investigation team. I called and was prompted with an automated message stating I can send my updates for the fraud investigation to a specific email that needs contain my account number. I don't feel comfortable sending my account number over email since that medium of transmission is not encrypted and I do not know who has access to the mailbox. This solution is not an acceptable method for disseminating sensitive information. 

On XX/XX/XXXX I reached out to the vendor and confirmed that he no longer uses the XXXX XXXX for his credit card transactions and that the last time I received services from him was on XX/XX/XXXX and was charged on that date. There would have been no additional charges in the year of XXXX. 

On XX/XX/XXXX I received a letter in the mail dated for XX/XX/XXXX stating that the review of the unauthorized transactions was completed and that I was responsible for the following transactions because I received benefit from these transactions. I contacted Chase once again and I was once again told that the team that I need to reach out to regarding these disputes is still out. 

As of XX/XX/XXXX it's been 44 days and I have yet to hear anything from Chase and I can not even appeal the decision on these unauthorized transactions. To be 100 % clear, I did not authorize either of these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MO

Complaint narrative:
XXXX XXXX  Experian and XXXX should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Following up on a complaint filed XX/XX/20 for Chase Bank XX/XX/XXXX : Visited and told to return the next day at XXXX after explaining my situation. 
XX/XX/XXXX : Arrived for my appointment - couldn't be helped. Removed cash from my account in order to have it in my hands given other than this option I had no access to it. Spoke with 2 reps in person - one was a manager of some sort - he could have cared less. They couldn't even tell me why my phone number linked to my account didn't work - which is why I couldn't handle this over the phone. I tried, but the rep stated my phone number was coming up as NOT registered to my account. It's the only number I have and was used to set-up this account remotely and Chase had already sent me an activation code using this line. 

Branch Visited : XXXX XXXX and XXXX XXXX, XXXX- XXXX - New York XX/XX/XXXX : Filed Complaint with CFPB XX/XX/XXXX : Chase Bank responded Manager I spoke with : XXXX or XXXX or XXXX   Direct phone # XXXX The manager had no additional information in regards to my account. Could not answer any of my questions in regards as to why my account is locked. Said he was not even aware of the problem and was simply told to 'give me a call ' and offered me an appointment with him personally. Now - that's nice if I was A. In the state and B. Had nothing better to do with my time than to visit their branch for a 3rd time during a pandemic. He offered to make me an appointment with a banker at the nearest location to me, which is XXXX, VT. Currently, an 1:20 min drive in one direction from where I current reside. He had no other solution to offer and told me to follow-up with him once I was back in the city. Maybe they could help then ...? 

XX/XX/XXXX : Chase bank responded and dismissed my complaint. 
XX/XX/XXXX : Complaint was closed by CFPB As of now - issue still exists. I have no access to my money via electronic payments debit card, online banking, and phone teller or rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-05-01 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: MO

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received messages from capital one that my card has stopped receiving payments. I do not have the card in my possession or pay the bill, it is in my name and the person who has received it named XXXX XXXX apparently stopped doing this. she uses the card as a tool of abuse as does her family who are targeting me as law enforcement informants in the CA DOJ, FBI. She apparently relocated from XXXX to the XXXX area but I dont have the address. When I received these emails from Capital One I could not log into my account. The issue is I need to establish that due to severe hardship I can not currently pay the capital one bill, There are only revolving accounts linked to this card, it is a very sick disturbing situation in which XXXX is aware i can't leave living situation I am in. I need to request that capital one put a stop payment and extended grace period - however, I am not able to log into my account. Furthermore, I have no phone in which to call. I need to be able to use email to establish what my options are and for them to immediately pursue any option I can. I am not only without work, but I am not able to leave my home environment - it is something XXXX and her family conspired and have taken advantage of. I do not have the card in my possession, according to the email it ends in XXXX. Furthermore I do not know the billing address. As stated it is a very unusual situation of abuse, so I am not able to deal with this problem without capital one emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  Transunion should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MO

Complaint narrative:
XXXX XXXX  Experian XXXX XXXX  should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I made a payment by phone of $ XXXXto Santander Bank Sphere credit card. Then, on XX/XX/XXXX I called and spoke to a representative to pay total balance amount due. The representative gave me the figure of {$4900.00}. I had the balance debited from my checking account and felt assured that the credit card was paid in full. 

When checking statements on line with assistance from my son, we discovered that my account had been charged a {$35.00} late fee ( refunded after spending dozens of hours ( 27 hours ) on the  phone trying to get help ). We were transferred more than dozens of times and while being transferred were disconnected many times. We asked representatives to take my cell phone number so the rep could call us back if we were disconnected again, the call quality was horrible on most of the calls. We couldn't hear them or they us. We were told that the rep could not able to call us back, some wouldn't transfer a call to management. We had conversations that were not transmitting clearly and asked for a return call which was also refused. On XX/XX/XXXX, the day after I paid the balance on the phone, there was a fees and interest charge on my on line statement of {$86.00}. 

After having to call to the HQ location in XXXX, Since the toll-free number was unavailable for the most part. And as mentioned, if we could get through to the number it was a terrible connection and no one could help you. Even after speaking to headquarters in XXXX, those calls were transferred back to the call center and more of the same occurred. Then decided, to call branches in XXXX XXXX. After speaking to a branch on XXXX XXXX in XXXX escalated the concern and ask for help. The representative who we spoke to was new at the branch and didn't have a branch manager available. After some time she was able to locate a branch manager and other branches. Those two branch managers on XXXX XXXX in XXXX and a location in XXXX XXXX reached out to their executive leadership to ask for help. At the same time finally someone from the call center returned a phone call to my son 's phone. After more than 30 hours of phone calls we finally had a refund to the egregious fees placed on the account for no reason. There was no reason for most of this to occur. Santander 's customer service is lackluster at best. We understand that changes happened during the crisis were under and that some of their staff couldn't work from their office location and working from home for the first time. However, Santander should have been ready for this eventuality and was not. We paid the price for their incompetence.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Despite exceptional credit history and low debt and paying off my mortgage Experian continues to regularly drop my credit score for no financial justification. They keep telling join credit boost Experian has not gotten XXXX XXXX XXXX  enrolled despite my repeated requests. I pay over {$250.00} a year and am not getting fair honest reporting. My score dropped from XXXX exceptional to XXXX very good.the only negative on my entire report was late utility bill 5 years ago. So why did my score drop XX/XX/2020. Thank you.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The company is reporting an old debt as a new debt that will allow them to collect beyond the 7 years and makes me look as a high risk to lenders with a newly reported collections account.

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 2020-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
In spite that XX/XX/ 2020 mortgage payment I paid in full and on time, they charged me {$3700.00} late fee.

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 2020-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn Disputes Dept XXXX XXXX I believe a XXXX called me to Harass me about filing my complaint on XX/XX/XXXX. 
Com [ plaint Number XXXX She called me and said we were being recorded but not to collect a debt. Then she mentioned my filing a formal complaint with you, the CFPB. 

I asked her if Bank of A was going to fix the problem and all she kept saying was double talk instead of direct NO, THEY WON'T FIX MY PROBLEM. 
I yelled and screamed at her to stop harassing me until the matter has been resolved and then she hung up. I hope she plays the recording to everybody at BofA because they are a do-nothing bank in my book. I've lost lots of sleep as a result of BofA. 

What nerve, calling me to scold and threaten me about filing a legitimate complaint. 

I want action, not harassing phone calls, how unprofessional. Looks like they fear the CFBP ... ... .Good and thank you. 
ALL I WANT IS FOR BANK OF A TO MAKE MY CREDIT REPORT READ THAT THEY WERE PAID IN FULL XX/XX/2017 AND THAT THEY ARE SORRY.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have tried reaching out to this company about the debt, because it is not mine and I had my valuables stolen a few years ago with all of my personal information compromised. I would like if they an remove this debt off of my 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