vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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: MS

Complaint narrative:
This account was disputed with all 3 Bureaus at the same time. It could not be verified. Therefore the account was removed from XXXX and XXXX. Its still continuing to show on Equifax. Im very sure they use the same methods and systems so how was Equifax able to verify an account when the other 2 could not and no documentation showing that it could be verified. And Im certainly sure its against the law to re-age an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I recently looked into my credit report and found that there was a collection by an agency called Southwest Recovery Services for the amount of {$450.00} for a company called " XXXX XXXX. '' I have never had any contact from or to Southwest Recovery Services, nor have I had any contact from or to XXXX XXXX. Upon further investigation, both companies are located in Texas. I have never lived or even stepped foot into Texas so the idea that I owe money to a power company in Texas is completely unfeasible. Address for the company as on my credit report : SOUTHWEST RECOVERY SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

On my credit report, the " account '' was opened on XX/XX/XXXX and it went into collections on XX/XX/XXXX. As of today, XX/XX/XXXX, I have filed disputes with the credit bureaus and reported this to XXXX. I have also researched this online and it seems to be a common scam. There are other reports on XXXX with the exact same modus operandi. Other people have reported amounts in the hundreds of dollars on their credit report from Southwest Recovery Services for " XXXX XXXX ''. Clearly, this is fraudulent activity by the company and the fact that they are able to have this validated on my credit report is disgusting. They are trying to intimidate unknowing people into paying hundreds of dollars for a false item that is dragging their credit down.

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 2022-01-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that Equifax provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my equifax credit report. All 4 times Equifax responded that XXXX XXXX provided them with such information. I then ask XXXX whether they provided Equifax with a method of verification and XXXX does not have any record of a bankruptcy on my report. I then requested that Equifax removed the inaccurate bankruptcy on my report and Equifax refuses to do so. Per the Fair Credit Reporting Act Equifax has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to XXXX and Equifax and request that XXXX dispute that they verified a bankruptcy to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: AL

Complaint narrative:
On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: NC

Complaint narrative:
I have not received any confirmation on how the company have validated the alleged account reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully Defamation my Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, also Fair Credit Reporting Act 15 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 168in ]. The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. *** ( copied from the affidavit attached ) ***

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 2022-01-08 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:
I have written several times disputing the XXXX XXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am home sick with XXXX, and haven't been to work. So, I received a phone call from XXXX XXXX  about my XXXX Credit Card. They told me, that my account is 90 days past due. I told the representive that I couldn't make a payment until XX/XX/22. I have not received my credit card statement in the mail, or via email. The last statement in email is from XXXX of XXXX. The representative told my whole balance was due of XXXX without an invoice, or a letter. 

I asked for a letter, and she refused saying that my entire account balance was due. I have not received my statements, and she kept stating yes I have, and that the letter is my statement. i know my right under the Fair Debt act. So, again i asked for a letter, and she said No. 

I did pay XXXX online today to hold my account, until i get to work, after having XXXX. 

I don't remember making a promise to pay by a certain date, which she stated as well. Knowing that I haven't felt well, I might've made the promise to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am the consumer, original creditor and natural person. Synchrony Bank has denied my right to credit as I applied for a XXXX XXXX XXXX credit card account on XX/XX/2021 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Synchrony Bank violated federal law by denying my credit application. Synchrony Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Synchrony Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is a follow-up to complaint # XXXX, filed during XXXX. When I was notified, after waiting almost a year for a response, that the bank had refunded me for approximately {$3000.00} in NSF  fees, I was pleased and went to my local branch during XX/XX/XXXX to attempt to withdraw the funds from the old, closed account. However, I was informed that the entire balance had once again been taken out. Some of the charges that I was told about ( despite asking, I never got an actual statement or accounting of how my money disappeared again ) appeared to be legitimate transactions that were initiated automatically by various companies that I do e-business with, such as XXXX. However, I was told that my account was emptied of the entire {$3000.00} PLUS, more NSF fees were charged even after that. I expressed disbelief that all of the money was gone and that the account had gone negative again and was promised by the branch manager that I would be emailed all of the details of the transactions, which I never got. So, once again, I am left with nothing. I am astonished that Santander feels emboldened to pull this on me again, but here we are. Please help me to regain the {$3000.00} that was taken from my account, less any charges that can be substantiated as approporiate. Hopefully this time, it won't take nearly a year to get Santander to respond.

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 2022-01-08 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: MS

Complaint narrative:
There are 2 different accounts that has been disputed.The other 2 Bureaus were not able to verify the accounts therefore they were removed. But somehow TransUnion is still showing this account and Im wondering how if all 3 Bureaus pretty much use the same system. I never even received any documentation as to the accounts being verified. The accounts in question are attached.

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 2022-01-08 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: FL

Complaint narrative:
I called in to TransUnion to dispute hard inquiries and someone was suppose to call me and never did. I have sued them once for violating FCRA Laws and getting ready to do it again as I've kept evidence. This time I will go through the federal court system with an attorney I consulted with last time.

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 2022-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
When I first subscribed to Experian my XXXX scores were in the XXXX. Then unbeknownst to me I was getting charges from XXXX and XXXX. I then called Experian and canceled my subscription. My spending habits have not changed and Ive had no late payments. Every since Ive cancelled Experian has tried to get me to BOOST my XXXX score by adding my billing and banking information. That is none of their business with all of the data breeches that they seem to have. Since I will not add any additional information or resubscribe Experian constantly lowers my XXXX score to intimidate until I rejoin their services so that my XXXX score will rise again. This is EXTORTION!

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 2022-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
So I am working on my credit I'm trying to repair it. I have little debt but its various not all of my credit report well I was taking out a personal loan of 10 to {$15000.00}. I looked up various loan places I applied but then I got a phone call from a place claiming to be XXXX XXXX I had been familiar with that company had taken a few payday loans in the past he said I was approved for {$10000.00} so he had me go on my email open up something that had the XXXX XXXX logo on it and sign in my credentials on my end so this way he can send it to the lender they would give me {$10000.00} he was going to call me back in 45 minutes 2 hours later he calls me back and says that my credits to low that I need to send him XXXX send it back and then send it to an XXXX woman 's name on XXXX needless to say he sent XXXX to my account with a reversible transaction my account was locked from Chase Bank I called they had me call XXXX and XXXX to run virus scan on my internet change my email and my bank login credentials I did all of that. Stop it from being a reversal the lady from the bank. So needless to say I wake up in the morning and he still got six transactions of {$500.00} out of my account and I still can't get in touch with Chase Bank he also was threatening me and calling calling me an American XXXX XXXXXXXX saying all kinds of crazy stuff that he's going to ruin my XXXX check and make sure my license gets revoked all this stuff and needless to say this happened last night and it's XXXX the next evening and I still haven't heard from Chase Bank and I'm so scared because I had thousands of dollars in my account and now I'm down {$2000.00} overdrawn my entire family passed away a XXXX year old single mom the daughter with a XXXX XXXX I'm trying to do my best and he just XXXX everything up for me don't even know where to begin or what to do but I'd like everybody to be aware of companies claiming to be cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it is a scam and I am not stupid all 's I did was quick awake sign into my login credentials and that guy got in my account even though I had everything changed these people are not playing these days they'll rob you will take your whole life away also threatening screenshots from the conversation through text I have the fake loan agreement I have him taking and putting the money out of my account I have my account dropping and how much I had a nap so much evidence it's actually a good thing it was on XX/XX/2022 all the way until today XX/XX/2022 and I still haven't heard from Chase Bank and I'm tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: Self Financial Inc.
State: IL

Complaint narrative:
I called the company to report this and they told me to file a police report I sent it to the credit bureaus only one have removed the account is XXXX  It is still on XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 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: TX

Complaint narrative:
I have written several times disputing the XXXX XXXX XXXX bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.

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 2022-01-08 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: TX

Complaint narrative:
I have written several times disputing the XXXX XXXXXXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: FL

Complaint narrative:
I review my credit report on the XX/XX/2021 from Experian and XXXX. Upon reviewing My credit report, I found some inaccurate information. First error I observe that the addresses they have on file was not mine. Second, I seen some accounts that was inaccurate, labeled as a charge off with a incorrect balances. I wrote to Experian and XXXX demanding that they verify and validate these accounts and send me copies of validation. ( They didn't ) They ignored my request and updated more inaccurate information.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I used my American Express XXXX  card to book a hotel. The reason why I used this specific card is because I wanted to make use of their {$200.00} hotel credit. After booking through American Expresss travel website, using my XXXX  card throughout the entire process, I was informed that somehow I marked that I would rather pay for the hotel later than upfront ( which is something I have never done before in my life ). Because of this marking that I paid later instead of when I made the booking, I was ineligible for the credit. I tried to resolve this with Amex but they transferred be 8 times and I have been on hold for 1.5 hours. The entire call length is currently 2 hours and 15 mins.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare had a program to allow for a loan modification which had a closing date of XX/XX/XXXX. I submitted the application, but it was " removed '' by LoanCare before XX/XX/XXXX. I was repeatedly told to resubmit applications, and have been provided with e-mail addresses and fax numbers by LoanCare representatives which were not in operation. Within a few weeks of each application, I was FALSELY informed that I did not sign any of the applications and attendant paperwork and told to resubmit the loan modification documents. This has happened about five times since the whole process began in XXXX of XXXX. I was again told on XX/XX/XXXX that I did not sign the application. This is patently FALSE, and this is an obvious subterfuge to tire me out and cause me to not follow up on further loan modification applications. I really wish that the CFPB would intervene, given this bad faith pattern and practice.

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