vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: RI

Complaint narrative:
During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my Transunion account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments from 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 2021-03-28 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: RI

Complaint narrative:
During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my XXXX account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
Army Airforce Exchange Credit Services Contact with fraudulent representative Request removal from ex-spouse account No access to account Suspect credit card Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit inquiries in credit report are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit inquiries in credit report are fraudulent.

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 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
ICS Systems said I have a debt from XXXX. This is completely untrue. If I do have a debt it would be from 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 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
OnXX/XX/XXXX I visited the Ashley Furniture store in XXXX, Florida to buy a couch with my girlfriend. We found it and decided to get it. The price was {$1500.00}. I put down {$500.00} on my MasterCard and was left with a balance of {$1000.00}, which I financed through Ashley Furniture / Synchrony Bank. They approved me at that time for a {$4500.00} credit limit. After we left the store, about 30 minutes later we received 2 calls from Ashley Furniture and they were asking me if I had some of the documents that we filled at the store. I told both the salesman, and the customer service lady that I didnt, all I had was my receipt.In the beginning ofXX/XX/XXXXI made 2 payments to Synchrony Bank and paid the full remaining balance of {$1000.00} in full. On XX/XX/XXXXI got a notification on my phone that there is a new charge on my account, I immediately called the number on the back of the card and informed Synchrony Bank that theres a new charge on my account and its not mine. They closed that account, sent me a new card and said that they will investigate. After they completed their so called investigation, they are insisting that I owe them this new charge of {$1500.00}. I was shocked, I called them many times and told them that I have not made any new purchases other than my couch.I contacted Ashley Furniture and they emailed to me the information they have regarding my account. After looking carefully at the documents, we noticed that they have written the other customer purchase order # ending in XXXX on my document. My purchase order # ended in XXXX.There seems to be another customer that is mixed up with my account from what Im seeing in the documents that they sent me, you can clearly see her name and address. Its pretty clear that they mixed up my account with hers, and now Im responsible for her purchases according to Synchrony Bank. This is insane, I dont know who this lady is, it shows a completely different address than mine, in another city. I have been dealing with this nightmare for months. I also had to open a XXXX / XXXX identity protection account which costs me $ XXXX/month. They are causing me and my family a lot of stress and we need somebody to stand up for us, because we tried everything, but they dont care.I have contacted the Florida Attorney Generals office as well for 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 monetary relief
Consumer complaint received 2021-03-28 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: MS

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 58 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 58 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MS

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I chose this option to file a complaint because there was no filing option for my problem. 
I closed my Chase Bank credit card on XX/XX/XXXX. I need to get copies of my statements from XX/XX/XXXX to XXXX XX/XX/XXXX. I had a paperless delivery of my statements and need paper copies for tax purposes. 
I login to Chase online and Chase knew my name, address and phone number ( please see attachment ) but did not recognize my card number. 
I called XXXX and the phone number on the back of my card, XXXX, but could not get through - getting an automated reply that my card number is not recognized. 
My card is XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. 

I am filing this complaint to get paper copies of my statements since I can not get through to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Request removal from account Ex-spouse Spoke with fraudulent representative No access to account Suspect credit card fraud

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 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted Equifax about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though Equifax is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to Equifax and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a single father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. XXXX  XXXX XXXX  XXXX gave my hard inquiry information to Equifax knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MS

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted XXXX  about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though XXXX  is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to XXXX  and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a XXXX  father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. Capital One Bank USA gave my hard inquiry information to XXXX  knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through XXXX XXXX automated collections. now XXXX will not answer or return my calls about the debts. XXXX XXXX removed this debt in XX/XX/XXXX after filing CFBP complaint. On XX/XX/XXXX Rent recovery solution llc appeared on my credit report for the same debt but amount owed {$300.00}. I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The credit agency XXXX and transunion seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent.

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an XXXX  I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of 14+ years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as Transunion should not be able to charge {$0.00} to retrieve a credit score when XXXX  provides it with the free credit report to which all Americans are entitled.

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 2021-03-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I returned my leases car to Toyota and took a new lease car from them but the old returned car lease account is still showing in my credit report and also as an " adverse account ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the WELLS FARGO DEALER SVC XXXX within the time set forth by law.

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 2021-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Failure to respond to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the CAPITAL ONE AUTO FINAN XXXX ] within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
I recently filed for verification of a debt to a Company by the name of Hunter Warfield , INC . The Company did not proved valid information that a debt was owed on my behalf. The company sent me copy of a lease with itemized charges, and the Company did not have any validating signatures from the creditor. I do not have any signed contracts or agreements with this company for a debt they claim that I owe. This account is effecting me negatively on all credit 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 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I was the victim of an extortion scam by people who pretended to be government ICE agents and XXXX XXXX Police. They used the correct numbers and location tags that corresponded with both agencies. The " ICE agents '' had me visit the ICE website and read multiple documents to ensure that I understood the consequences of refusing to comply with their investigation. 

They threatened to arrest me on identity theft charges and would use force if I tried to evade arrest. To avoid getting arrested altogether and continue the identity theft investigation as a free citizen, I had to pay the amount of an immigration bond. 

I was asked to download the app XXXX on my phone to grant remote access, which I didn't know. I was told that this app would be used to monitor my phone activity so that I wouldn't be suspected of running away from the current phone investigation. 

I made two separate Chase XXXX with XXXX transactions to an account that I was told would be my attorney for the investigation. The account was for XXXX XXXX, XXXX. The first transaction was {$1000.00} and the second was {$950.00}. 

After realizing I had been threatened by fake agents and police, I filed a complaint with XXXX, which they are investigating, and attempted to file a complaint with my Chase bank, but many Chase representatives have refused to submit a claim. One rep. finally submitted a claim, but it was rejected by Chase 's system and when I called about it, another rep. told me that Chase doesn't investigate any scams involving XXXX, even though this transaction was with Chase Bank. Overall, Chase Bank has been incredibly unhelpful. 

I also submitted complaints to the Federal Trade Commission, Federal Reserve Board, FBI : Internet Crime Complaint Center IC3, Fraud.org, Federal Deposit Insurance Corporation, and Department of Financial Protection and Innovation.

Company response to consumer: Closed with explanation