vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am still waiting on Transunion to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Federal Trade Commission provides the following information regarding credit freezes : " If you request a lift of the freeze, the agency must lift it within one hour ... You also can lift the freeze temporarily without a fee. '' I have repeatedly and unsuccessfully attempted to temporarily lift a freeze on the Equifax web site on XX/XX/XXXX. Subsequently, on XX/XX/XXXX I called the Customer Service phone number ( XXXX ) XXXX. No issues were reported by the automated system performing the security checks. I was on hold for 30 minutes. After providing additional information to the customer representative, she informed me she did not have sufficient information to confirm I am the account owner. I was requested to mail proof of identity including driver 's license and SSN card. I asked to speak with a supervisor. After 30 min, the customer service rep informed me she would transfer my call to a supervisor, and put me back on hold. After another 30 min I talked to the supervisor. The supervisor asked me the same questions, repeated she was no going to be able to help me, and pointed me back at the web site. 
This violates the legal intent to make the process friendly and accessible. Equifax is demonstrating disregard regarding the customers ' time by complicating the process and not providing explicit information to help resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: IN

Complaint narrative:
My accounts have been hacked so I put a lock at the credit rating agencies. I lost my password for Experian. They told me for {$20.00} overnight me the information to unlock my account I asked them to do it. The next day in the mail was a credit report and they build my account about {$40.00}. And I called back the next day they told me I had to pay another {$20.00} to get the information I had already paid {$40.00} forBut was told would only cost about XXXX. So I had them do it again. I then had to spend about 100 hours on the phone filling out multiple forms multiple times being told multiple things from multiple people much of it conflicting. I have filed multiple complaints with the consumer financial protection bureau regarding XXXX and Experian has responded every time but they have never answered my question. My question always was why did they make meSpend about 100 hours on the phone to get my XXXX bucks back? They responded to my complaint three or four times but they have never answered my question. I think XXXX XXXX works for them because theyve always dance around my question

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020, I noticed that my credit limit was decreased from {$17000.00} to {$7600.00} and the letter in my app with Chase advised too many revolving limits on your credit report. I have never been late on a payment and always pay more than my minimum and because of Covid I have used my cards more than usual. Since my credit limit has been decreased from {$17000.00} to {$7600.00} now my credit score will be impacted with a higher debt ratio and I think this is not right. My balance on this card is XXXX so now it will show I am utilizing almost 100 %. I was given no warning what so ever from Chase nor was I told that my credit limit can be decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: NY

Complaint narrative:
I was supposed to receive my direct deposit on my cash app car and then all of a sudden my cash app card is cut off. I tried calling cash app support and they stole {$150.00} from me and then started asking for XXXX pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I am still waiting on XXXX  to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Lending Club Corp
State: FL

Complaint narrative:
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than 5K. 
I owe less than 11k for my car I own my home free and clear and it is valued at nearly 100K My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX & Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Equifax ) The following items are reporting incorrect status. Please correct the following items : XXXX XXXX   XXXX  - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$340.00} LEAD BANK - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following items are reporting incorrect status. Please correct the following items : XXXX SELF LENDER - Date Opened : XXXX ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00}

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was checking my credit report and there was information from a collection agency Credit Collection Services for XXXX XXXX. I did not receive a bill from neither the collection agencies or XXXX XXXX. I have two insurances and supplemental insurance XXXX pay through my job, so there was no reason for the company not to be paid. I was not given an opportunity to pay or dispute the information. The collection agency provided the same information three times to the credit reporting agency The amounts are {$100.00} and {$140.00}. 

I want this information removed immediately. This is causing serious hardship for me and is interfering with me obtaining credit and job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Credit Card ; Date Opened : XX/XX/2015 Amount : {$1100.00} Action Taken By Me : Police Report Filed, No Action Taken By Company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: PR

Complaint narrative:
XX/XX/2020 I call XXXX XXXX for information about my account and they said that my account was sent to collection agency Credit Control LLC and the phone number that they give me is not available. 
XX/XX/XXXX I call again the XXXX XXXX  trying to see if they have another number to call but they give me the same one. 
XX/XX/XXXX I send email to Credit Control LLC the one i found online XX/XX/XXXX I got email from them saying they don't have the account from my debt. 
XX/XX/XXXX. 
Im done call XXXX  and they told me to fall complaint here to see what they can do. 
The disputes are saying to XXXX  that they have the account but it not true because if they have it I can be able to make the payments. The bank keeps reporting to my credit and its CLOSED but is unpaid and its giving me hard time to get house. 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I missed an auto payment due to XXXX check comming in late. XX/XX/2020 they emailed stating a repayment would happen XX/XX/2020. 

On XX/XX/2020 when funds became availble I made the payment for XXXX via their online services. Their system stated specifically that my next payment would be XX/XX/2020. 

XX/XX/2020 they took they payment out of my account causing an over draft, I caught it that day, called them up and asked what was going on since the payment was done. They processed a refund minus the {$15.00} ACH return fee. While processing a complaint for the overdraft fees the accrued. 

XXXX XXXX I recieved an over draft fee {$35.00}, XX/XX/2020 I recieved a continued overdraft fee of {$30.00}. I called on XX/XX/XXXX and they stated they were just processing the refund that day And i amended the supplemental complaint to include the additional {$30.00} fee. XX/XX/2020 i recieved the refund. 

XX/XX/2020 I recieved an email stating they were denying coverage of the bank fees becuase there were not assessed by Upstart. So I sent them proof of the fees and that there mistake was the sole cause of them by a account summary covering the days in question. Along with the statement that their system informed me on XX/XX/XXXX, that the next payment would be XX/XX/XXXX th. 

They are sticking to the fact their original email on XX/XX/XXXX superceded the information provided to me on XX/XX/XXXX. Had there system stated the original XX/XX/2020 payment was still in effect this whole situation could have been avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX I am pay in full with all my mortgage payments from XXXX XXXX to XXXX I have been SAYING and REQUESTING THAT THIS COMPANY have been Submitting a request over the phone from me ALMOST everyday since XXXX XXXX. 

I HAVE ALSO BEEN ASKING for Specialized Loan Servicing cashier department to fix there web page to document all my payment as mortgage payments PAY IN FULL SO IT show that I am current from XXXX XXXX to XXXX. 

And all I get is a run around I been asking to SPEAK to the person who is in charge of the payment department and THEY KEEP TELLING ME THAT DEPARTMENT DON'T TAKE PHONE CALL. 

All they do is put ANOTHER request in FOR ME TO HAVE A SUPERVISOR CALL ME BACK time after time. 

THE person WHO call me BACK can't do anything WHO IS NOT A SUPERVISOR EITHER SHE OR HE CALL BACK, JUST TO tell me they will submit another request in. 

THE CLIENTS FOR THIS MORTGAGE CO.NEED TO GET SOME PEACE OF MIND INSTEAD OF MORE PROBLEMS. 

CAN YOU HELP US.

WHAT WE DON'T NEED TO get is another incompetent, unprofessional BLAH BLAH BLAH OR OUR PHONE CALL GET HUNG UP ON, AND WE HAVE TO CALL BACK AND GO THREW THE SAME OLD INCOMPETENCE AND UNPROFESSIONAL SERVICES ( NO SUPERVISOR FROM THE PAYMENT DEPARTMENT. NO CORRECTION ON OUR MORTGAGE PAYMENT AND ON THE TRANSACTION AND HISTORY. 

IF THE CFPB PUBLISH THIS DESCRIPTION ON THERE WEB PAGE EVERYONE WHO IS AFFECTED IN THIS WAY NEED TO FILE A COMPLAINT WITH THEM.

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Home Loan 1st and 2nd originated XXXX we paid off the 2nd Loan number XXXX XXXX Chase can not provide the Escrow company evidence that we have paid off the loan. We have not been contacted about this loan and now this old loan is keeping us from getting our new home. 

With this lack of help. I only am told they escalated the scenario. But they won't provide any additional information. 

Chase send us the following e mail -- -- -- -- -- Forwarded message -- -- -- -- - From : Lien Release Customer Research XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX  Subject : Chase Case # XXXX RE : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX via XXXX XXXX Hello, I am writing in response to your recent request about the home mortgage loan referenced above. We have fulfilled your request by completing the following : We can not process a release for the XXXX of Washington. The release will be processed by a 3rd party vendorno ETA. They will have the release processed and sent directly to the county for  recording. This case will remain open and monitored until the issue is resolved. An update will be provided as soon as a copy of the release is received from the vendor. 


Thank you, Lien Release Customer Research ( XXXX ) From : Lien Release Customer Research Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX Cc : XXXX XXXX via XXXX XXXX Subject : Re : URGENT REQUEST FOR CASE NO. XXXX Customer ( s ) name : XXXX and XXXX XXXX /CLOSING ON THURSDAY XXXX XXXX Hello, Customer ( s ) name : XXXX and XXXX XXXX Your closing date has been noted. According to case number XXXX, your request is still being worked on. Please allow more time for resolution. 
If you have any further questions, please contact our Customer Service Department @ XXXX and reference your case number with all inquiries regarding your request. 
Thank you, Lien Release Customer Research Logging

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
XXXX Mcneil Meyers is a company I have never known of are ever did business with. XXXX Mcneil Meyers has sent untruthful information to all credit bureau as an attempt to destroy my credit score because XXXX Mcneil Meyers has assumed I owe them {$1700.00}. Instead of XXXX Mcneil Meyers trying to go through legal lawyers to investigate to ensure this dept they are assuming I owe is actually true that I owe them or If it's even me or if they even have the right correct person. I have proof that I have personally sent to XXXX Mcneil Meyers that I do not owe XXXX Mcneil Meyers or do I know or have ever done business with XXXX Mcneil Meyers. Still, they have attacked my personal credit life for there own gain. XXXX Mcneil Meyers company or person, do not have any respect for human life at a time in the world like it is today. 
This is a warning to people about XXXX Mcneil Meyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm the owner of XXXX XXXX XXXX and I put in the incorrect original TAX ID and I've tried to update it but with the covid, nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation