vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: Credit Karma, LLC
State: OK

Complaint narrative:
Hello, Beginning XX/XX/2020, I received an email from Credit Karma, notifying me that the password to my account had been changed. I visited their website to verify, and surely enough, someone had changed my password. 

I figured this may be due to me using a password that'd been recently compromised somewhere else, so I went through the account recovery procedure, received the verification email ) * ) to verify that I, the account owner, am requesting the password change ; clicked the link, and changed my password to a newly generated alphanumeric string, unused anywhere else. This should have been the end of the story. 

About an hour later, I received yet another email, telling me that my account password had been changed. Frustrated, I checked my server logs to verify that only I had access to my email inbox, which turned to be true - so nobody was requesting the change, logging into my inbox, and deleting the verification email. 

I changed my password a second time, to yet another freshly generated alphanumeric string, this time using a different device - perhaps my workstation had been compromised? No! The next morning, I had more password change notification emails in my inbox. I yet again went through the steps and changed my password, which was YET AGAIN changed, thirty minutes later. 

This prompted me to reply to Credit Karma 's " contact us '' email address, which bounced back, and referred me to a different email address to use. I followed the directions, and submitted the complaint. They responded in a very dismissive manner, and when I followed up, telling them it had happened YET AGAIN, they 'escalated ' the issue. This was on XX/XX/2020. I have not heard back from them. 

With the amount of personally identifying information that Credit Karma has access to, for this to happen and be essentially swept under the rug is a blunder of ineptitude. What are my available courses of action at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX. 
We're fed up with the management of the property and our complaints and service call never completed on time. 

One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this. 

We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract. 

I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns. 


I included the photos attachment as proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: IL

Complaint narrative:
TransUnion and XXXX  are fraudulent on my credit : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-15 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: Experian Information Solutions Inc.
State: FL

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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.

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 2020-09-15 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: LA

Complaint narrative:
I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a promotional balance that is due in XXXX, 2020. When Covid hit I contacted the Care Credit in to see if I could get an extension, they denied me NUMEROUS TIMES saying 'You already made the purchase, we can't extend the date the Promotion expires '. So I set up Automatic Payments in XXXX so I could make equal payments in time to pay off the balance. I logged into Care Credit Synchrony 's website : https : //www.mysynchrony.com/ in XXXX and noticed that they did NOT take out XXXX and XXXX 's payments automatically as stated in the Auto Payment agreement. I made a {$200.00} payment immediately and sent an email to Care Credit. I double-checked that my Auto Payment was still active and it stated that it would deduct the agreed upon amount on the Next Payment Date in XXXX. I just logged on today and they did NOT deduct my Auto Payment. Auto Payment is still Active. They are hindering my ability to pay on my credit card automatically. Their advertising is misleading : " You are currently enrolled in autopay for this account. Your next Autopay Amount of {$230.00} will be processed on your next payment due date '' It has not taken out an AutoPay since I scheduled it. They state, " Autopay : Never miss a due date again. You can choose how much you want to pay so that you never get a late fee '' and yet they are missing my Auto Payments. They are hindering my ability to pay off this Promotional Balance automatically. And they are misleading me into believing that I don't have to worry about a payment being made. They also deleted most of my email correspondence in my account on their website.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES 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 2020-09-15 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: MI

Complaint narrative:
This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help 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 non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Reliacard is in violation of Reg E. There are security issues with Reliacard. I gave had to get replacement cards and pay rush fees. US Bank Reliacard violates Reg E by not investigating my fraud claim, and simply closing without investigation to avoid giving provisional credit and to avoid investigating.

Twice now, the card has been compromised with XXXX transactions that I did not authorize. Reliacard complied with Reg E the first time fraud happened and they resolved in my favor. However, US Bank Reliacard did not stop XXXX the second time and did not notice the fraud. 

The exact same circumstances occurred again with XXXX, and I tried calling them but it took two days to reach US Bank Reliacard. The fraud was reported on XX/XX/2020. 

Despite knowing that I've been the victim of fraudulent XXXX charges in the recent past, this time, US Bank Reliacard did not even investigate and did not provide me with provisional credit within ten business days in accordance with Regulation E. The investigations can take up to ninety days, but to avoid complying with Reg E, US Bank Reliacard closed it to avoid investigating and to avoid provisional credit.  US Bank Reliacard found XXXX charges were fraud and resolved in my favor a month earlier, yet they ignore the preponderance of evidence and don't even investigate.

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 2020-09-15 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help 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 non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES 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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have an Uber Visa credit card that earns cash rewards. On XX/XX/XXXX, i was notified via email that i redeemed my cash into my XXXX XXXX. I did not initiate this rewards transfer and when i called Uber on XX/XX/XXXX, they mentioned it was two policy changes : 1 ) cash rewards can not be applied as a statement credit and only a credit to the XXXX XXXX, 2 ) rewards will be auto redeemed over {$50.00}. I do not recall being notified of both of these changes. I have this credit card solely for the purpose of cash redemption against my statement charges ( not for the XXXX XXXX  ). I feel tricked into this change, as i would've immediately applied the cash balance to statement credit if i had known of these changes were happening and then would've closed the credit card. 

On XX/XX/XXXX, i spoke with representative XXXX and she mentioned these policy changes took effect in XX/XX/2021. I did not receive any of these notifications.

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 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX my property sustained significant fire damage. 

Later that year, XXXX XXXX issued an insurance check for more than the amount that was due on the mortgage. The check was issued w/ my name & co-signer PennyMac ( the mortgage servicing provider ). I mailed the check to PennyMac and as soon as they deposited it, my life became a living XXXX. 

They refused to release the funds to allow me to fix up the property & then they " neglected '' to apply the funds to my mortgage & then they " accidently '' attempted to foreclose on the property & then they again " neglected '' to fix the foreclosure-problem ( both their home-office and their lawyers XXXX. 

We ended up in Court. 

They offered a " settlement '' that was far below my actual financial loss and also included a " Confidentiality Agreement. '' The case ended up being " discontinued '' in court as of XX/XX/XXXX. 

As of XX/XX/XXXX, I've held title to the property. 

Please see within the court documents where I was informed by a PennyMac representative that it wasn't PennyMac 's " policy '' to apply insurance proceeds to the balance of what was due, unless the mortgagor paid the difference. 

# 1 ) They refused to provide the " difference. " ... and if they had it would have been minimal. I ended up receiving an escrow check in XXXX XXXX from them. 

# 2 ) This " policy '' is in direct contradiction to the NYS FHA contract that I had ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX, my family member was in need of a vehicle, and I was asked to cosign. Although I was dealing with a XXXX XXXXy on-the-job injury, of which was told to the sales people and others prior to any transactions. I also informed them of the pain medicine that caused me to tire and become incoherent, also my medical condition were very visible, but they continued to be very persistent. The loan finance company of the vehicle is Credit Acceptance Corporation. In or about XX/XX/XXXX the vehicle was in a total loss accident. I filed a claim and later was told that my then insurance company paid off a large percentage of the vehicle, and left a balance, of which I requested payment information, but did not receive any written documentations. Since the vehicle loss, on many occasions I've unsuccessfully requested information of payment and balances Also, during the beginning of the vehicle loss, it was listed as a natural disaster loss and account closed. Throughout time Credit Acceptance has changed this notation on my Credit Reports and reopened the loan also adding more fees to the account.The loan agreement was not completely explained to me, I later learnt the information. The vehicle was a XXXX XXXX XXXX, amount {$15000.00} @ 60 months @ {$450.00} monthly. 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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PA

Complaint narrative:
I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. 

I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. 

since they were above 700, I decided to apply for the card. 

I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. 

I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email from Chase stating that a payment was scheduled from an account, but I don't have any accounts with Chase. I've called Chase several times to determine if someone has opened an account with them using my identity. Chase refuses to help investigate this possible fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NV

Complaint narrative:
After receiving a letter from Equifax stating they are unable to verify my identity to remove incorrect information, I submitted on XX/XX/XXXX and XX/XX/XXXX via certified mail. Equifax still stating they have not received a copy of my id, ssn, and proof of address. I have sent that several times and they keep telling me they never received it. I am disputing the bankruptcies that are on my report. Their 3rd party verification department which is XXXX deleted the items off my report due to unable to verify. I sent Equifax the same paperwork so they can remove it off so i can finally purchase my home. It has yet to be removed and i have been dealing with this since XXXX. I need that information off my report due to as your laws they can not report incorrect information and it is still being reported. This is against the law. Credit bureaus get paid to report so that is why they keep giving me the run around so they can still get paid to report it but it's not accurate. I have proof that it is not accurate and it has been removed by all furnishers except for Equifax. Please have them remove these items or i will be taking them to court, and I will win. How does the company that they go to for verification remove the items and they don't this is insane and im tired of spending money to mail over this information just for them to keep telling me we need to verify your identity. Just remove it XXXX XXXX it should not take this long. This is stopping my future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank recently screwed me on 2 disputes ( over {$1200.00} XXXX because of their mishandling of the complaint ( closing the dispute without reviewing the info sent by fax and mail ) and not caring. I have no desire to do business ( {$66000.00} in the past 31 months ) with them much longer. I am unable to get a new credit card because of the way they report to XXXX, XXXX, and XXXX. All three Bureau 's are receiving the information the same way for Balance, Scheduled Payment, and Amount Paid. 

JPMCB Card Services is reporting the Balance and Scheduled Payment each month to all three. JPMCB Card Services IS NOT REPORTING THE AMOUNT PAID EACH MONTH TO THEM. XXXX  and XXXX  is showing {$0.00} for Amount Paid while  XXXX  is reporting ND for no data. Normally this amount is paid in full or extra each month because I add up the future charges. 

When applying for new credit cards, my application has been rejected because there is no monthly " Amount Paid '' being shown on this revolving account.

Company response to consumer: Closed with monetary relief