vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to add money into my Serve checking account. ( it's a checking account which receives my direct deposit from my work and has an associated debit card attached to it. However, it failed. 

I then tried to log into my account that day, and I was not able to log into my serve account or any of my other accounts with Serve and Bluebird. 

I have a total of 6 accounts with American express Serve/Bluebird, all of which I am unable to currently access. 

I called their customer service line on XX/XX/XXXX and XX/XX/XXXX asking what's going on, and they said that my account has been suspended for suspicious activity. They then said they would forward my inquiry up to their security team to review the issue. 

However, I just called again on XX/XX/XXXX, and they are unable to provide my any details on why my account was suspended and what I need to do to unsuspend my account. They said that I would need to send mail to XXXX XXXX  XXXX XXXX Georgia XXXX. But did not give me any instructions on what I need to do. They Since I have my checking account there, it's critical that I have access to my paycheck.. I have tried calling them multiple times and they only give me the work around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that a JP Morgan Chase credit card was delinquent for {$19000.00} with account # XXXX which was opened in XX/XX/XXXX in my name. The aforementioned account had an address of XXXX XXXX, XXXX, MI XXXX associated with the fraudulent account which I never resided. Immediately upon discovering the alert I contacted XXXX disputing the account. I also made a police report with my local authorities for identity theft regarding the fraudulent account. I tried contacting JP Morgan Chase many times ; my calls were never returned until XX/XX/XXXX I mailed JP Morgan Chase a certified letter demanding proof of the authenticity of the account contract bearing my signature yet JP Morgan Chase has not as of yet supplied proof of the authenticity of above account in question. Yet JP Morgan Chase continues to report fraudulent and inaccurate information to XXXX and XXXX credit bureaus in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: AZ

Complaint narrative:
I have been in active communication with Experian credit reporting agency in regards to multiple identity theft items that are appearing on my personal credit report. 

I have provided Identity Theft Letter from the FTC website along with a police report to verify that my identity was stolen. 

Just as I begin to make progress with reaching a resolution, yet another item is fraudulently placed onto my personal credit report that does not belong to me. 

So it seems as if items are just being randomly being placed onto my personal credit report without even being verified. 

Recently I noticed another item being placed onto my personal credit report that does not belong to me, it does not identify what it, I know that it does not belong to 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 2020-10-30 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: C/C Financial
State: TX

Complaint narrative:
Date : XXXX Amount : {$4900.00} XXXX  XXXX  made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from XXXX XXXX. All because XXXX XXXX made a fraudulent account under my name!!

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 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.

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 2020-10-30 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: MS

Complaint narrative:
On XX/XX/2020, I sent out dispute letters to have XXXX & Equifax remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that XXXX & Equifax have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: NJ

Complaint narrative:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
From XX/XX/2020 to XX/XX/2020, my Equifax score plummeted from a FAIR XXXX to a POOR XXXX. The same dramatic decrease did not happen with the other two major credit reporting bureaus ( currently XXXX & XXXX ) and nothing major happened in those 30 days to justify such a drop of 41 POINTS. 

When I asked the customer service rep ( and then the supervisor ) if there may have been a computer error, I was told that " the score is the score '' and that I would just have to " deal with it ''. 

I received no concrete insight or proof as to how that drop may have occurred, but given that NO new collections accounts were added and all payments were made early or on time ... AND ... the fact that older collections accounts have less impact as time goes on ( not more ), BUT if they do ... it is a decrease of maybe 3, 5, 10, or even 20 points ... NOT 41. 

What recourse does a consumer like myself have against these credit bureaus that control our lives with these three digit numbers? What accountability do these companies take, if any? 

As far as I'm concerned, this potential error has set me back up to 6 months and negated much of the credit repair work I have been diligently doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I feel very mislead.

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 2020-10-30 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: NJ

Complaint narrative:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I was tricked by 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 explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from Equifax and XXXX  regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet Equifax and XXXX  continues to state the account and address is verified without yet providing me proof upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
A closing date was set for XX/XX/XXXX and Quicken loans did not honor it and it was the date they set. XXXX XXXX and XXXX XXXX said there is a three day waiting period in which they can not fund the loan. In XXXX of XXXX, Our Federal Government put into place the Interpretive Rule, managed by the CFPB, allowing consumers to waive the three day TRID waiting period if the waiting period was causing a financial hardship due to the pandemic. I have been living in a hotel for nearly three weeks and boarding my dogs due to the sale of my home and XXXX not being able to close in time. This is certainly creating a financial hardship by having the closing extended. I put it in writing and sent it to multiple people at XXXX including the people mentioned above as per a real estate attorney requested saying they are Federally mandated to waive the three day waiting period. XXXX refused to follow the Federal mandate and honor their closing date. The sellers of the home I am purchasing flew in from Florida. Soon I will not have the funds to close and to keep living in a hotel and boarding my dogs. I am asking for assistance with XXXX  loans. I also told them both this on a recorded line and they just keep saying they will get back to me. I have hired movers for the original closing date and two sets of realtors and a family from Florida, as well as the title company are all expecting the closing to be on XX/XX/XXXX and we were just told it will not close on XX/XX/XXXX. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: MI

Complaint narrative:
Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from XXXX  and Experian regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet XXXX  and Experian continues to state the account and address is verified without yet providing me proof upon my request.

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
I have made several attempts to get Selene finance to send me these documents and information.

1. my XX/XX/XXXXmortgage statement. 2. A validation of debt letter. 3.my payment history for the past 12 months. 4.a complete breakdown of my monthly escrow payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Attached are letters from XXXX/Comenity Capital bank and The Bureaus. All 3 companies have been sent demand letters for the following : Original Contract with my signature Pay Off Disclosure Interest rate Disclosure Balance history Payment history Credit Insurance A copy of a check ( payment ) from myself All three of these companies as you can see sent me excuse letters. Ive received nothing of what Ive asked for, nothing!! Now the statue of limitations/4 years is over and in the State of Pennsylvania thats the maximum time they can collect, and since they can not show us even one payment from myself, there is a no payment history, and were not believing their made up schedule. So Im asking once again after 4 years, REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was undergoing financial forbearance do to the lack of work after contracting XXXX in XXXX and was cleared by the doctors XXXX. I was working part time and making automatic payments with my creditors and they are saying I missed two months XXXX and XXXX. I have made on time automated payments for two years and 4 months but now due to the crisis the system must have been glitched because I have been able to pay off my over one forth of my balance. I do not recall ever unregistering my autopay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I sent out dispute letters to have Experian & XXXX  remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX  has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that Experian & XXXX  have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Around XX/XX/XXXX I disputed an old XXXX cellular account from XXXX that I was granted a chapter XXXX discharge for on XX/XX/XXXX. It should not be showing on my credit report whatsoever statue of limitations. XXXX then responded to my dispute by re-aging the account to a much newer account for the same old original account ... so now it will be on my credit report for even longer instead of it being taken off all together like it should have been. I have disputed this incorrect information and reporting over and over with XXXX and Equifax and they will not take it off. XXXX says the updated information reaged acccount is accurate of the first delinquency date being XX/XX/XXXX? Mind you I filed, and was GRANTED a Chapter XXXX bankruptcy with my old XXXX account being included in that discharge XX/XX/XXXX. Out of nowhere XX/XX/XXXX XXXX has started negatively reporting to Equifax of this old account. Again when I disputed this once I found out, they turned around and re-aged the account to look newer then XXXX. Lastly I tried to refinance my car loan for a better interest rate ( bought my car brand new XX/XX/XXXX, not one late car payment ) and I was turned down for the refinancing and that is how I found out about this new/old negative account being reported to Equifax from XXXX. I have written a letter directly to the recovery department at XXXX and they wont help me they just say, the system says this date is accurate therefore they cant do anything.. PLEASE HELP, it is easy to see this is unlawful what XXXX has and is doing but no one will help me. I have spent years rebuilding my credit and this is now happening to me and its effecting my life more then should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XX/XX/XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.

Company response to consumer: Closed with explanation