vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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:
It has come to my attention that 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 very inconvenient on my part!

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  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 non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
My credit score is suffering because I have an outstanding collection from an agency I know nothing of or why it has been requesting almost {$2000.00} payment since 2019. I have never received a single outstanding bill or collection notice. 
When disputed with XXXX, it comes back as a legitimate charge but with no explanation of what it is for or why I owe it. I have never not paid a bill.

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 2021-01-19 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: GA

Complaint narrative:
Transunion did not investigate an account on my credit profile for Dpt of ED / XXXX, XXXX XXXX, and US Dept of Education/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Our XXXX credit account was closed without our knowledge. Upon checking why, the company said there was a discrepancy with our social security number on file. We checked it and there was no discrepancy. The company claimed to have sent a letter requesting information which we never received. We wrote the company requesting the source of their information showing a discrepancy and never received anything. We paid whatever we owed them and filed a dispute with XXXX  which was supposed to have cleared our account, but upon checking our credit report, it still shows that we have a balance owing to XXXX of {$55.00}. We need this cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc.
State: TX

Complaint narrative:
Carmax continues to violate my consumer rights. I have sent an affidavit of truth, debt validation letter, and cease and desist. They continue to harass me on a daily basis, multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax should not be reporting a collection/charge off in the amount of {$210.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX and this company has long since gone out of business. I was never late on this account and this account had no balance due. I never received any correspondence from XXXX that this account was in jeopardy and only became aware that this account was erroneously placed in collection was when I obtained a most recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2020, I was granted an EIDL loan as a contract based sole-proprietor who had suffered a loss of hours and income due to covid. 

On XX/XX/2020 Capital One froze my account, stating that as a sole-proprietor I wasnt eligible fo this loan. This is not correct. 

I have conferred with the SBA who assured me everything about my loan was in order and I did qualify AND was entitled to use the funds for rent and utilities. 

My wifes funds are also frozen, including payment shes received from her contracts. 

The funds have been frozen for almost 1 month. I have supplied all information to the bank to prove that I was eligible for this loan as a sole-proprietor and that funds were only used as permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
I filed Consumer Financial Protection Bureau Complaint # XXXX more than one month ago and always receive the same form reply 's and rhetoric. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item. Transunion and XXXX  have failed. They shuffle paper and feel as if they do their job. XXXX XXXX XXXX XXXX does nothing. I requested Transunion and XXXX to have XXXX XXXX XXXX XXXX to send proof of the permissible purpose used to access my credit report for fraudulent loan # XXXX and dated copy of credit report. 
XXXX  XXXX XXXX XXXX responded and verified that the disputed information was accurate as reported and result summary was sent to me. XXXX XXXX has refused to send result summary.

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPMorgan Chase is treating peer to peer transaction payments differently depending on the credit card product. I made about 6 peer to peer payments via XXXX utilizing Chase Credit Card A ( Freedom Flex : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) over the course of XXXX XXXX. I made 4-5 similar peer to peer payments via XXXX utilizing Chase Credit Card B ( Freedom ). Card A was charged a minimum transaction fee of {$10.00} for each charge plus a 25 % cash advance fee at the close of my card for the total transactions ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). No such charges were implemented for Card B. Chase refunded 3 transactions XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX ) as a " courtesy '' but is refusing to refund any of the others. I asked why the same transactions from the same merchant made to the same peer are being treated differently across their credit products ( Cards A vs. B ), but they said both are cash advances and I'm required to make these fee payments under Card A 's terms and conditions ( no mention of Card B ). However, they claimed on my calls that Chase supposedly treats peer to peer payments for XXXX similarly, but I have no such charges for any XXXX transactions during the same period on Card A or Card B. I did reach out to XXXX who confirmed their merchant coding is the same no matter the card being used for any peer to peer transaction and it is Chase that is processing the payments differently depending what card is being used. The Chase supervisor, XXXX, denied that was the case and once again blamed XXXX. I also called to their attention an XX/XX/XXXX article from the XXXX XXXX https : XXXX? XXXX & XXXX XXXX where a Chase spokesperson confirmed they do not charge peer to peer cash advance fees. They did not acknowledge the spokespersons claim and referred back to the terms and conditions. I understand that the terms and conditions for peer to peer payments require me to pay these fees, but Chase is claiming those terms and conditions are the same across all their products when that is obviously not the case. I've attached copies of my statements to demonstrate the difference in treatment between the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 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: NY

Complaint narrative:
It has come to my attention that 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 very inconvenient on my part!

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 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
In XXXX of 2017 my wife and I were purchasing a vehicle XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Tx XXXX. The installment agreement says XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The issue is that the finance company, Credit Acceptance Corporation, XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX, and the dealer did not allow me to sign the original paperwork. I was out of town and the paperwork was pushed through without our consent and without my signatures. I complained to the Texas Attorney Generals office. The only result was that the finance company placed a computer generated contract on my account portion of their website. I noticed that the downpayment information is fraudelent. They entered a dollar amount higher than we actually put down. They refuse to acknowledge this situation. I believe they committed fraud with my application.

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 2021-01-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
put in for XXXX  XXXX XXXX XXXX cant get hard copy on trans union, XXXX, XXXX dont come up

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 2021-01-19 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: AES/PHEAA
State: TX

Complaint narrative:
During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Fedloan reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
There are many mistakes appear in my report without my understanding. I have written multiple letters beginning XX/XX/2019 about these 8 items on my credit report that transunion claim to have verified all the information on my accounts but there is incorrect information throughout the accounts that transunion will not correct. I am asking that these accounts be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, equifx, XXXX dont come up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, XXXX, exprin dont come up

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a credit card that is linked to Costco. I do not use this credit card, although since it is linked to costco when my memebership fees came due, the credit card was charged. The bank account linked to my credit card I had closed. I had forgotten that this was linked. I had closed the bank account because it was related to a business that I had also closed. The auto payment was returned and the credit card charged me 2 fees for the next billing month of XXXX. I did not receive any mail notification as the address they had on file was incorrect. I have been charged a late fee for the last 5 months, that have now exceeded the cost of the original purchase. The only reason this came to my attention was because of a phone call from the company. I called and they said they could remove 1 late fee. I called back to see if there was anything else they could reverse, and now they transfer me and hang up on me. I was cordial on the phone, but it seems they have somehow " flagged '' me.

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX CMG Financial released a check of {$8200.00} which never arrived. Upon not receiving till XX/XX/XXXX, CMG Financial released a second check on XX/XX/XXXX after stopping the first check. 

The second check hasnt arrived as of XX/XX/XXXX ( beyond 14 days committed time ) since it had been sent to incorrect address. 

CMG Financial had been updated with multiple emails with the problem since XX/XX/XXXX and in return CMG confirmed in written that it indeed had my correct address ( to which the loan had been granted and all other communications had been sent ). 

As of XX/XX/XXXX, CMG still fails to confirm of initiating the check payment to the correct delivery address and is ignoring to pay off {$8200.00}. CMG Financial has been incorrectly holding my escrow refunds for the last 3 months which is devoiding me of this capital and limiting my liquidity to pay my housing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have attempted to contact Santander Consumer via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems ( XXXX, GA ) is attempting to collect a debt owned to XXXX  XXXX  ( XXXX, MI ) for XX/XX/XXXX. I discovered this collection on XX/XX/XXXX on a periodical review of my credit reports. I contacted National Credit Systems and was informed this collection was a result of failed payments on a lease signed XX/XX/XXXX. After reviewing these documents I discovered this signed lease extension was done fraudulently with my forged digital signature. I was a resident of XXXX XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX was added to the lease with the intention of becoming primary lease holder. My information was to be dropped from the lease. The last communication I received from XXXX XXXX  was on XX/XX/XXXX. No attempt was made to contact me via phone or email to extend the lease. I have filed a police report with the XXXX XXXX  XXXX ( XXXX, MI ). I also signed an affidavit with the Federal Trade Commission regarding the identity theft. 

XXXX XXXX claims that they have no record of the collection, as they changed parent companies. Their former parent company XXXX XXXX XXXX ( XXXX, GA ) is unreachable to discuss this collection. National Credit Systems has not been helpful at all in this process and have been using scare tactics to get me to pay this debt, which is a result of identity theft. Attached is the police report and FTC affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of credit reporting and customer service wouldnt take care of my problem section 6-11 of fair credit report act. 
I Want my credit inquiries removed because I was not notify that this inquiries were being put back on 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