vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: NY

Complaint narrative:
I file a complaint with Experian on XX/XX/2020 asking to remove delinquency on my child support account XXXX. The compliant number is XXXX, Experian has not responded to this complaint as yet but I get an email from the Experian dispute department and this issue is still not resolved. The problem I need to know is if Experian verifies my letterhead sign by XXXX from the child support enforcement agency asking to removed delinquency from my child support file XXXX or did Experian refuse to even bring this evidence to child support to support my claims. If this negative item is not removed from my account I will 100 % file a case in court to get an answer because how could the child support enforcement agency give me a signed letterhead to remove delinquency from my account at the same time telling Experian to keep delinquency on my account. All creditors have the right to ask a credit reporting agency to remove an item from a consumer account if they feel it is the right thing to do. I need to know where is the problem coming from, is it Experian not following the Child support enforcement agency 's request to remove the negative item, or Experian doing what they what. Though Experian is reporting my credit report it is still my credit report that they are reporting. I have the right to fix any issues that are misrepresenting my credit report and the is my fair credit reporting act.

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 2020-12-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On or around XX/XX/2020, I discovered numerous accounts on my credit reports, that were not opened by me. As a result of this theft, I have suffered irreperable harm, my credit score has been significantly affected, and the time that this has taken to remedy this damage has been unconscionable. 
I contacted the company CBNA, directly, a-prising them that they have mistakenly reporting adverse information on my report as I am not the person/individual that requested services, nor have I obtained any goods of any sort. 
As required by the FCRA, I subsequently mailed CBNA numerous documents, which included multiple police reports, affidivats, FTC reports and proof of my identity, letting them know this account was fraudulent.

They have continued to report this account on my credit report and in fact have negligently verified the validity of this account with XXXX  Credit reporting agency. I have asked that this account be remove from my report as a result. I have repeatedly asked for validation of this debt and the application that was signed requesting that this account be open. To date, they have sent me nothing, however, CBNA, continues to report this account as a charge off account. Further, negligent enablement of identity theft by false reporting, libel as well as continued false validation of this erroneous accounts violates many of my civil rights in accordance with FCRA rules. 
DOCUMENTS MAILED TO THIS COMPANY ARE AVAILABLE UPON REQUEST. DOCUMENTS HAVE BEEN MAILED 12 times since XX/XX/2020 2020

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have previously filed CFPB complaints # XXXX & XXXX against Discover. Discover replied and I have left messages for a return call as directed in their letter. For 3 years I have contested the cards as stolen because of identity theft. But that was repeatedly denied so I brought up new evidence that the payments were made fraudulently under an account that was not mine. Discover continually states the accounts were mine so I sent an affidavit. Now Discover requests new evidence reflecting payments made on my account were fraudulent that allowed the credit limit to be exceeded. However Discover possessed or possesses this information. This is information that should have been researched in 2017. And this evidence should not have been destroyed or lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with XXXX XXXX XXXX on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX balance. I spoke with the folks at Equifax and they refused to allow me to submit a dispute. So, I have issues with both XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld calls me at both of my phone 2 to 3 times per day to threaten me about debts that both Transworld AND the original owner of the debt know was obtained through fraud. Neither the original creditor nor Transworld have been able to provide documentation for the debt that would stand up in court -- entries on a spreadsheet are not proof of a debt. Nevertheless Transworld routinely threatens legal action and habitually violates the FDPCA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: VA

Complaint narrative:
On the XXXX XX/XX/2020, I sent a letter to Equifax asking to show me how they are validating a debt when other bureaus are stating that they can not verify this debt. I sent information showing this and have not received anything back within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with JP Morgan Chase on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX  balance. I spoke with the folks at XXXX  and they refused to allow me to submit a dispute. So, I have issues with both JP Morgan Chase and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-07 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
i purchased a XXXXXX/XX/XXXX XXXX XXXX phone from the XXXXXX/XX/XXXXi am unable to activate this phone as XXXX XXXX  has a different email than the email i am using to sign into my goole account and XXXX fi will not tell me what email they have. i have attempted to return this phone as it is useless to me as i cannont activate it. XXXX store says we are closed due to the pandemic. also i have tried to return the phone through the google online store and i am unable to return the phone through the store as they are using a 5 year old email to send me the return label i do not have access to that email i contacted syncrony bank to dispute the charge and was told out of luck they cant help me. i should not have to pay for a phone i can not use

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 2020-12-07 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: MI

Complaint narrative:
I've held my XXXX XXXX card account uninterruptedly since 1982, as is evidenced on the front of my current XXXX card. I've had a continuously solid payment history with XXXX for over 38 years. My XXXX card recently changed from a XXXX  card to a XXXX XXXX XXXX card, but my length of continuous credit with XXXX XXXX remains at 38+ years. The problem is, my current credit report lists my " Length of Credit History '' as only 14 years ( that is the length of time I've held my 2nd-oldest card, a Visa through XXXX XXXX XXXX XXXX ). This erroneously-shortened length of credit history is having a negative impact on my credit score, lowering it by several dozen points. Please correct my length of credit history to reflect all my years of solid credit with XXXX XXXX. Thank you!

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: WI

Complaint narrative:
My previous complaint was closed, XXXX, but not resolved to my satisfaction. A small amount was deducted but my point was not addressed. I received a notice for the first time 8 months after the leased vehicle was returned and was refused to be present. This should not happen and now BMW expects full payment in 2 weeks.Also the online amt due is not reflected to what it was adjusted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I have been banking with Chime bank for about 2 years. They sent me an offer for a credit builder account that is supposed to help build credit. It was my own money that went into the account. Times got pretty hard so I would just transfer my money back into my checking account to pay my bills. I never really used the card anymore, about 3 weeks ago I received an email they closed my account no reason! The problem is I have {$1200.00} in the account. I have no way to get my funds I have called and emailed hundreds of times with no real answers. That is my only money for rent. I am currently on hold now and have been for minutes!! The rep has not picked the line back up I am guessing she hopes I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: MD

Complaint narrative:
On the XXXX of XX/XX/2020, I received an email alert from Bank of America that my account has been overdrawn. 
I immediately lack in to my online account and found out that, there have been series of unauthorized transactions from my checking and credit card accounts. 
I immediately contacted Bank of America fraud department and let them know that those transactions was not from me that there should put hold of those transactions. 
The transactions was send to unknown individuals via XXXX and XXXX. 
Three transactions via XXXX XXXX and four transactions via XXXX.Attached copy of statement highlighted. 
Bank of America issue me a case number XXXX. 
The Bank of America department for Debit card credit {$230.00} for cash app transactions. 
{$3.00} for XXXX has not been credit up to this date. I have requested Bank of America to contact XXXX for the unauthorized transactions to know avail. 
Bank of America requested copy of police report which has been fax to them but have still refused to credit my account. 
I am paying credit card charges for transactions which I didn't authorize. 
Its really unfair! 
-Attached is copy of bank of America Debit card fraudulent claim resolved. 
-Police report -copy of Bank of America statements of fraudulent activities in 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 2020-12-07 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: MN

Complaint narrative:
I applied for a hotel branded card, online, serviced by Chase. The automated response from them was one of, they needed to do additional research. After a few days of not receiving a reply, I contacted Chase. I was told my request was not approved since I had opened up several new credit cards in recent years. This, in spite of a long-term relationship with Chase, with an exceptional credit rating, and large lines of credit with this financial institution. I received a letter several days later, reiterating Chase 's disapproval of my request. I then escalated to the executives offices. I was contacted by XXXX, who basically told me that they could not approve my request, for the same reason. The inflexibility shown by Chase puts me in a quandary. I want to cease doing business with them. However, if I cancel their cards, I will be penalized because the credit reporting agencies will crucify me, with drastic cuts to my credit scores. This, because of my cutting away, of large lines of credit. It appears that multiple credit inquiries can also stain your credit history. Why do I not have a protected option of killing off Chase 's products? Right now, my only recourse, is to replace those lines of credit with non-Chase resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
These inquiries are unauthrozied and need to be removed from my credit report imediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I was hoping you could help me again move things along with Shellpoint Mortgage Servicing on getting a release for the property at XXXX XXXX XXXX XXXX, WI from XXXX XXXX XXXX. XXXX, WI The problem started when XXXX XXXX  broke up the three properties into three separate loans but thy kept using the same legal description on all three loans. I spent over TWO years working with XXXX XXXX who bought the loans from XXXX XXXX  trying to straighten this out. I hired a lawyer who they just ignore. So, I went on a letter writing campaign to every government agency I could think of, my Senators, XXXX XXXX XXXX, ect .... 
That finally got a response out of them. Within a couple of weeks, I had my release so I could sell one of the properties. They were in the process of correcting the legal descriptions on the other two loans but unfortunately they sold the loans before there legal department finished correcting the legal description on the two remaining loans.

Now Shellpoint Mortgage Servicing has the loan and I've been trying to get a release so I can refinance one of the properties. I am Kind of on a timetable because the refinance was to pay off a substantial debt that I owe to the USDA for a defaulted Farm loan. We negotiated a very reasonable settlement which we are going to take the proceeds from the refinance and forgive the rest of the debt. My concern is because of the delay in getting the release from Shellpoint for the property they may pull their offer off the table and I'll still be liable for the hole amount. 

Attached is all the supporting documents. Surveys with the correct legal description, Letter from XXXX acknowledging the problem, XXXX release for lot # XXXX. 

At this time I'd be grateful for just the release for lot XXXX from lot XXXX & XXXX. This way I can continue with the refinance and paying off the USDA. At a more convenient time we can work on correcting the legal description on the loan documents. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I logged into my free Experian credit monitoring service like I always do when I receive an alert or notice. When I logged in, it took me to another screen that asks if you want to keep your existing " free '' membership or " upgrade '' to a paid credit monitoring service. 

Like always, I clicked the button for keep the free membership. Their system, however, registered my click as " upgrade '' instead of keep free membership. 

I immediately contacted the company via chat to dispute the incorrectly processed selection. The rep informed me, " due to the terms and conditions that were accepted and agreed to, we're unable to issue a refund per our refund policy. '' I never was presented with any " terms and conditions '', nor did the system ever ask for a confirmation of my supposed " order. '' This, in addition to being a deceptive business practice, directly violates Federal laws for Accessibility ( WCAG 2.1 3.3.4, https : 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 2020-12-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-07 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: NY

Complaint narrative:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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