vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
# 1 ( JPMCB  ) I received hard inquiry on my credit report showing that I applied for a product. I called to verify that I did not apply for any new services or products from company. They informed me that I would have to contact my credit bureau to dispute this transaction because it was no longer in their hands. When I noticed the hard inquiry in the account it was XX/XX/XXXX from JPMCB card. I called on XX/XX/XXXX thru XX/XX/XXXX. 

# 2 ( ) XXXX XXXX XXXX offered a loan through their program. When applying they stated that I will not receive a hard inquiry on my report and as I come to find out, I did indeed receive a hard inquiry. On top of that the agent whom I was working with informed me that the loan was denied and couldnt move forward. I then received a called from her supervisor and manager stating the they do apologize for the miscommunication and error on behalf of my account but the loan which was applied for was approved. They went on to say that the agent whom I was working with was a new hire and was just learning how the loan process works. I did not go through with the loan and ask if they could remove that information and inquiry off my credit report. They informed me how to contact XXXX or the other credit bureaus to have the loan inquiry removed due to the negligence on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a card with CITI in XXXX of last year knowing I needed to replace the roof on my lake house and planning on using the 0 % balance transfer to help. I was approved for a card with a {$6500.00} limit. I transfered XXXX over to it. Then I proceeded to pay it down each month. This month I made a large payment that brought my balance down to {$1900.00} and some change, the day after clearing they lowered my limit to around {$2100.00} dollars. 
As a direct result of me carrying a high balance on that one card my credit score had been lowered due to the usage percentage, and when I made a payment to raise it back up they lowered the limit to make it worse than it was before. 
I contacted them via phone and was assured they would reinstate my old credit limit as I had never missed a payment and always paid more than the minimum amount and there was no reason to lower my limit. A few days later I received a message saying my increase was denied. 
I contacted them again today and they can offer no further help.

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 2021-01-22 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: Credit Plus Inc
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 ,XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 ,XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/2020 went to the bank to used the atm card.My card got stuck the screen went black looked at my statement there was a XXXX unauthorized withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX  for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. 

I make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. 

I demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. 

I am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.

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 2021-01-22 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
My company, XXXX XXXX XXXX, XXXX received a business loan from XXXX, XXXX on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. XXXX, XXXX charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm Peroutka , Miller , Klima & Peters , P.A . located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX XXXX XXXX on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I XXXX XXXX and my husband XXXX XXXX have a loan with Santander Consumer that we opened in XX/XX/XXXX and the loan was for {$12000.00}. 
Account # XXXX Account Balance {$9800.00} Request Payoff Quote Account Maturity XX/XX/XXXX As of today the loan amount is XXXX. This was a high interest loan. I received information that I was in the multi settlement file with the state attorney general office of Georgia, in XX/XX/XXXX. I have reached out to Santander with no help they have not changed the high fees that they charge even after the Law suit and I am a disable veteran and my husband is not working due to Covid 19. The company simply got a pat on the hand for misleading consumers. On XX/XX/XXXX The executives at Santander stated that I was included in the settlement but would only receive {$200.00}. I am outraged and furious that a company can be found dishonest in it practices but still able to rip off consumers. I am writing you because I need help. I have ask voluntary repossession because i can no longer pay for this any longer. The high interest rates that accumulate is unreasonable. For the last couple of years I thought I was simply crazy until this lawsuit came about. Now I know that I am not. Please help this consumer, by removing this from my credit report and getting rid of the way this company is practicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
To whom it may concern CHOICE RECOVERY # XXXX is an account that was legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
This is the second horrible incident that I've had with Experian. The first was an issue with them disconnecting my bank and making my score go down more than 60 points, now these lenders are telling me that they are sending the reports on time, but that Experian is either taking too long or not reporting the information on their end. Experian stopped updating my report every since XX/XX/2020, right after i reported them to CFPB. I believe they didn't fixed my latest disputes because of this reason as well.

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 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I Filled In XXXX And I Haven't Received No Benefits Yet

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 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION
State: GA

Complaint narrative:
Ok i have a xoom account and i transfer money to myself from prepaid card to prepaid card and i use them because you could use it over differ states etc so this morning i transfer XXXX into my acount and they have a 30 min policy if you cancel within 30 mins they will send money straight back you dont have to wait the three to five days so i tranfer nothing happened with 10 or 15 mins so i cancel my transaction and call them to refund my money they tell me i have to wait five days because they got a hold on my money and thats my rent money because my rent man be out of town alot so that why i transfers card to card because he can just take his payment off and not miss with my other cash any other time xoom would take only 5 or 6 mins it there i would like to receive my money so me and my kids want be out side

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/XXXX. I received an alert about debt being added to my credit report. I have no knowledge of the debt they say I owe, nor the company collecting the debt. I immediately disputed the item with the credit bureaus. I also received a letter in the mail dated XX/XX/XXXX advising me of this alleged debt. 

1. This company is offering for me to settle for a debt I do not owe. Why would I pay for something I don't owe?

2. This company is calling me after the debt is disputed and still is in dispute with XXXX. They should not be calling me until the dispute is completed.

3. I also sent this company a letter on XX/XX/XXXX disputing this alleged debt and debt validation. There is no original creditor -- only a debt description. I have no idea who XXXX MC is. I never had any dealings with either company. 
4. This company states this alleged debt with them is accurate ( with XXXX  Dispute ), but I am unable to find any information about this so called debt description of XXXX MC.

Company response to consumer: Closed with explanation