vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CHILD SUPP, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Consumer complaint received 2020-06-10 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: LA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CHILD SUPP, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Consumer complaint received 2020-06-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
5 {$1000.00} Payments were made from XXXX account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so Comenity bank states! 5 payments in the amount of {$1000.00} each were made to Comenity Bank ( The same way each week via bill-pay from XXXX XXXX  for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to Comenity some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called Comenity Bank and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX  and I called Comenity Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XX/XX/2019XX/XX/2019XX/XX/2019 XX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX **** XXXX XXXX **** I have sent 2 letters certified mail requesting to validate two accounts above ( XX/XX/20 & XX/XX/20 ). Experian sent the responses after two weeks of each letter sent and has not given me adequate proof of debt. XXXX  was not able to validate the debt and removed the account. How was Experian able to validate the account?

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 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I leased a car in XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
i purchased the same car in XXXX. They made be buy extra warranties ( Optional car warranty and Wheel and tyre warranty ) stating I could cancel within a month, and when I cancelled it within the month. They were saying I should buy out the car with the warranty amount and then they could pay a check for my warrant amount to me When I bought the car+ warranty amount, they they changed it to they will pay with in a month, later after repeated visiting the center in XXXX and email they stated it may take more than 90 days. Now they are not responding to emails and not responding to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We've had the American Express card since XXXX, have never fallen behind making payments, now comes Corvid-19 and the XXXX  is not making hardly any money to pay all the bills, while all the other credit cards has kept us in the Corvid-19 payment deferment, when I tried to reach out XXXX to American Express via chat and spoke to one of their account specialist he told us that they were not able to extend anymore help with the Corvid-19 that they already gave us 2 or 3 months that we had to pay the past due bill by XX/XX/XXXX otherwise it will assess late fees and interest, I find this so unfair that every other credit card is working with us but they won't, the only thing that he said we were eligible for was a short term financial relief program offering up to 12 months of support with an APR of 5.99 % and the payments would be XXXX per month, and we must paid the first month up front to be eligible for this program, really? how? we are hardly making it as it is, they are making it very hard on us, so so disappointed to find out how inconsiderate they are, we didn't ask for this, is going to be slow for the business to pick up, people have no money at this time. How can they not give us more time, this pandemic is a slow process people has just recently gone back to work and that's not everyone. I don't understand why if all the banks out there are still helping out the consumer with the Corvid-19 deferment that American Express won't do the same. We need more time for the XXXX  to pick up. Is not fair to want to offer us a short term financial relief program when we dont have that kind of money to pay right now and on top of that charging us interest? really! It seems that with American Express is all about money they dont care what kind of situation the consumer is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Freedom Mortgage Company
State: CA

Complaint narrative:
I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted Freedom Mortgage ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.

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 2020-06-10 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Consumer complaint received 2020-06-10 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On my chase amazon account, I was on autopay and had a representative call me in XXXX to set up the remainder of the payments. Fhey told me the last payment would be a partial payment in XXXX, so when the partial payment came out in XXXX, I assumed, based on the communication from the company, that the account was resolved. I had gone to stay with my elderly inlaws during covid as it was the anniversary of my husband, their son, death and wanted to make sure they were safe. A neighbor who was collecting mail told me a letter came from Chase and I tried to contact them, but because of the COVID shut down, I was not able to get hold of anyone at the time. When I returned home, I promptly called and paid the balance due in full. I spoke to multiple representatives and none of them were willing to take the delinquent reporting off of my credit statement, even though their own repepresentative had told me in XXXX that the partial payment in XXXX would take care of the full balance owed. At no time did any representatives from the company try to reach out to me, nor did I receive an email alerting me to the account status being to the contrary. I would like to request the late reporting on this account be removed due to their misinformation and not contacting me in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
The company was Bank of America. I had a charge a couple months ago to my account of {$1000.00}. I contacted them about it and they closed my claim saying there was no posting error that occurred on my account. I tried to reopen the claim and they closed it once again. It happened on a Saturday at XXXX XXXX they had told me, the banks were closed so I couldnt report it until that week. So I did and they told me it was too late even though I had no other way but to wait to call them that week when they were open. I talked to supervisors as well, and they told me they wouldnt tell me why they wouldnt refund my money back to my account. He was very rude and inconsiderate. I couldnt even get into my account that day because they closed my account so I had no idea what was happening. Im very disappointed in there service. They treated me like XXXX and didnt care about my problem or {$1000.00} being stolen from my account.

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 2020-06-10 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: NJ

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Yesterday XX/XX/XXXX a woman called my husband 's phone I answered as he was driving she gave her name did not say what company she was with did not give XXXX XXXX until I asked if she was going to she said this is owed being XXXX  XXXX XXXX she never verified my id by dob or ss # or my husband said she need my bank information for XXXX I declined to give info. She said we will take legal action if you do not give it to me I advised to call me on XX/XX/XXXX at XXXX. No call was received she violated fdpca rules times 3. I called in asked to speak to a supervisor was places on hold no one got on line I called at XXXX XX/XX/XXXX after find out they called my husband XXXX XXXX at XXXX  and threatened legal action again. XXXX the supervisor told me he revised tape and nothing was violated. I advised I will be make a report on the company and seeking council. Due to covod19 and off of work they should be more compassion towards debtors but they are not I want to file complaint against this company. Which they will not give there name. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # 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 2020-06-10 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: NJ

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # 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