vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX I sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across XXXX, Transunion and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. Transunion is reporting a date of last activity of : XX/XX/XXXX, XXXX is reporting : XX/XX/XXXX, and XXXX  is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.

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 2021-09-30 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: NV

Complaint narrative:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to 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 2021-09-30 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: EQUIFAX, INC.
State: NV

Complaint narrative:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NV

Complaint narrative:
For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to 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 2021-09-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Today, XX/XX/XXXX, I contacted chase with the issue that I had a loss of income and they transferred me to the collections department, they told me that they could not help me because I had no arrears in my account, I think this bank should create Ways to help people who in this pandemic have had a loss of income plus a dovorcio, they also lowered the line from {$4800.00} to {$3500.00}, which negatively impacted my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays.

2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled. 
3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online.

4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance.

5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added. 
Please see attached recent email I received from this company as well as he email I sent them in XXXX. 
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 monetary relief
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/XXXX i sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across Equifax, XXXX and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. XXXX is reporting a date of last activity of : XX/XX/XXXX, equifax is reporting : XX/XX/XXXX, and XXXX is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: WI

Complaint narrative:
I sent a Method of Veriication letter to Experian on two seperate occaisions XX/XX/2021 and also XX/XX/2021 both came back stating " the company that reported the information certified to them the information was accurate ''. No more explanation no names addresses or phone numbers of who their furnisher is so I have no means of believing they investigated nor contacted anybody or industry to assure that the information was given to them by the actual division I am sending all correspondence with this and would like you to see if you can get what I have requested.

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 2021-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
On the XX/XX/2021 mortgage statement there is a charge for {$190.00} for a XXXX XXXX XXXX Balance. 
I called Fay Servicing on XX/XX/2021. I was informed by XXXX that this was a demand letter from XX/XX/2021. The money was in my account and Fay Servicing failed to put a 4 in my account number for the automatic withdrawal. I provided a voided check so there was no fault of my own to communicate the correct account number. 
I was informed on XX/XX/2021 that- After review of the loan, Fay has determined that the loan was set up for a XX/XX/2021 ACH draft and Fay has determined that an error occurred in which Fay was to update the ACH draft information and draft the XX/XX/2021 which did not occur. On XX/XX/2021 your Account Manager had a discussion with you regarding your loan and your Account Manager offered to have all fees waived back in XX/XX/2021 if you brought the loan current and set the loan back up on ACH auto draft. On XX/XX/2021 you paid {$3400.00} which was applied to the XX/XX/2021 payment, the XX/XX/2021 payment, the XX/XX/2021 payment, and the XX/XX/2021 payment and the ACH auto has been setup to draft you payments going forward. On XX/XX/2021 Fay honored the agreement to waive the late fees back to XX/XX/2021 and you were not charged any default interest. The loan was never reported to the credit bureaus, therefore there is no credit reporting needing to be corrected due to this error. 
The demand letter fee should be waived. 
Every month I have some erroneous fee attached to the statement. They money has been in my account every month from XX/XX/2021. I cant make Fay Servicing take they money out of my account. I did my part. I had the money in the account. I received emails that they were waving the fees due to the servicing agreement not being placed with Fay until after XX/XX/2021. On XX/XX/2021 your loan was transferred to Fay for servicing. is from the XX/XX/2021 communication. 
Every month I call about some new fee being added to my loan. I am promised a response. I dont hear anything from Fay Servicing .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2019, I, the consumer ( XXXX XXXX ) pursuant to 15 usc 1692a ( 3 ), filled out a credit application using my credit which is my social security number pursuant to 15 usc 1602 ( l ). When I signed the credit application that authorized XXXX XXXX XXXX to my credit thats when they became a creditor. The finance manager, agent of XXXX XXXX XXXX, never informed me on the use of my credit which 15 usc 1601 requires any financial institution or firm to inform the consumer on the use of their credit. The finance manager used a deceptive form pursuant to 15 usc 1692 ( j ) which is the retail installment contract to deceive me in thinking I was getting a loan ; when that was never the case. After I signed the retail installment contract which is the promissory note that is backed by my credit, XXXX XXXX XXXX did what Federal law defines as a credit sale pursuant to 15 usc 1602h. XXXX XXXX XXXX sold my credit to JPMorgan Chase Bank because pursuant to 12 usc 1431 banks can only borrow securities. XXXX XXXX XXXX has violated my federally protected consumer rights under the Truth In Lending by taking a cash down payment when a finance charge is the sum of all charges and by not disclosing my insurance options or my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I checked my credit report, and there is a debt with a {$680.00} amount. I have tried to get a debt validation by sending a letter. No information or response has been given to me. It is now way past 30 days. I sent a letter in XXXX. I would like for them to validate this debt. I would like evidence that I owe this debt to NCA. I have never had any business with them. I do not need verification of my address. This company is not following reporting and validation guidelines of the FCRA. If this can not be validated I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did a Purchase in Amazon using its credit Card provided by Synchrony Bank on XX/XX/2021 for the amount of {$750.00}. I returned this Item with ORDER # XXXX and XXXX  Trucking Number XXXX showing returned on XX/XX/2021. Amazon Website also shows the Item been returned as XX/XX/2021 Also it shows a 'REFUND FOR XXXX '' ( I'm attaching the Tracking number information been delivered on XX/XX/2021 and the Amazon web page showing the Item returned and the Refund for {$750.00} ). 
Last Saturday XX/XX/2021 I received an email from Synchrony Bank stating I still owe them the amount of $ XXXX called the bank and I escalated with a Supervisor name XXXX who added the information I'm placing in this inquired as well I provided her the Refund Transaction ID Code XXXX date XX/XX/2021 XXXX ( PST ). 

I would like to have The CFPB make this bank to credit the amount of {$750.00} in the Account I have with them according with the Proof I'm submitting along with my Inquire against Synchrony Bank. 
Thank You 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 monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX I tried to apply for a loan at my local bank and they notified me that my credit report was perfect except for a card that was taken out in XXXX of 2021. It is from Citi cards CBNA and was charged {$1600.00} in XXXX of this year. The card never had a payment made and is in deliquency. 

I did not apply for or receive that card. 

XXXX XXXX I tried to log on to Citi cards using my social security number saying I forgot my account number. I was trying to get information about the card. Citi website said " that social security number does not match anyone in our accounts '' I contacted Citi on XXXX at XXXX XXXX  and spoke to XXXX who then transferred me to XXXX. I explained the situation to her and she said because the card is not actually mine they can not give me any information about it. I pressed her because they say it is mine and she gave a few details as she questioned me. 

The card was opened in Ohio. I have never lived in that State. 
They used an old 15-year-old inactive phone number. 
The account has the wrong SS number. 

Wrong address, wrong phone number, wrong email, wrong SS number. and yet Citi approved the card. 

I asked how Citi could open an account with so many errors on it and she said " I can not comment on that sir '' I want it taken off of my credit report and they said it will be investigated and they will call me. It has been a week and no one has called and when I call the number they gave me it basically says we will call you. 

No one has contacted me. 

I want this taken off 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 non-monetary relief