vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX  and XXXX  breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.

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 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is an addendum to the previous complaint regarding making payments. As of today, Ally has reported to all credit bureaus because of the complaint I only posted yesterday that I am 60 days late. I made a request yesterday to Ally since I can not get any resolution, I made a request to voluntary surrender the vehicle. They accepted that over the phone and said that I should leave the plates on the car and someone would contact me in a couple of days. Ally is guilty of retaliation. I am attaching in full detail all of the proof of false claims on payments.

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 2020-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have sent a total of 3 letters to TransUnion and XXXX  in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both TransUnion and XXXX have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to TransUnion and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both TransUnion and XXXX. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by CHEXSYSTEM in the file you maintain under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing XXXX XXXX  XXXX such as my account was charged off {$300.00} in XX/XX/XXXX ( ACCOUNT ABUSE ) I challenge the accuracy, compliance and reportability of this listing. 

I submit my first complaint to CHEXSYSTEM on XX/XX/XXXX via chexsystem online portal and they fail to provide any validation for the above account that belongs to me. I submit a second complain via USPS on XX/XX/XXXX and chexsystems failed to respond until now XX/XX/XXXX. 

I was denied two ( 2 XXXX times for a bank account in the past 6 months due for CHEXSYSTEM reporting false and inaccurate information to financial institutions. 

I have attached a POLICE REPORT and notarized FTC Identity Theft Victim 's Complaint and Affidavit. 

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the 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 2020-12-03 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: The Bureaus, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 i received my letter from XXXX XXXX XXXX stating that my debt owed to XXXX  XXXX XXXX Credit Card has been paid in full. The Bureaus collection agency will not remove this debt from my credit report no matter how many times in the past 6 months i have disputed thru XXXX XXXX that the debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the equifax and marriot breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, XXXX, and transunion. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help

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 2020-12-03 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: CA

Complaint narrative:
There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, equifax, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC
State: CT

Complaint narrative:
Recently, XXXX XXXX XXXX  has been contacting me through Advanced Portfolio Group LLC. Firstly, they left me voicemails that do not identify themselves as debt collectors and just say that we need to urgently speak. Secondly, I have asked them for proof of a debt owed and what the debt is for multiple times via phone and email, but they just say that I need to pay the debt or that I can get a good deal. However, they are not telling me what product/ service I supposedly owe debt for. I have also told them if they show me specifically what I have not paid, then I will of course be open-minded to working out a payment, but I will not do that until I know what the alleged debt is for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-03 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
I was contacted by the number XXXX and a voicemail was left indicating that they were a debt collector. My name was not mentioned in the voicemail. When I returned the call, the person XXXX requested my name. I refused to give my name, as they had contacted me. I offered the phone number that I was calling from and I was told that I had to provide my name so that I could be looked up. I refused to give personal information. This situation concerned me for a potential scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have an loan from santander about 2 years now and I feel the amount is really high the balance also. I have received a letter about the settlement and I reach out to them but was turn away. The price was XXXX and with everything it came to XXXX and I put down XXXX which brings it back to XXXX. Every month when I make my payment I see that my whole XXXX isnt Deducted from the balance just like XXXX dollar is. My current balance is XXXX and I put down XXXX. And when they budget me I feel they were giving me rates to fail. XXXX a month when Im making XXXX a week and thats not taking taxes out yet. So makes XXXX. I dont understand how Im still owe XXXX. On this car thats not even worth XXXX and is XXXX years old. My account should be look over or something not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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:
On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX XXXX XXXX  {$2300.00}.

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 2020-12-03 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: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I booked some flight tickets in XXXX using my HSBC credit card for travelling in XXXX. I paid the credit card bill before the due date. Due to COVID, flight got cancelled and airline declined to refund the amount I paid. I raised a dispute with HSBC and they refunded the money in my credit card account in XXXX which resulted into a big surplus balance ( more than USD XXXX ) in my credit card account. I started using that balance by using that card for all my shoppings and other expenses. Till XXXX XXXX, I could use more than USD XXXX. I still had around XXXX XXXX surplus balance left in the account. After few days, when I checked the balance, I found that balance was nil. I called HSBC customer service and found that they issued a check for the balance amount without asking me and they dispatched it through mail. When I called them after few days to inform that I hadn't received that cheque and I wanted the tracking details, they said they can provide tracking details only after 14 working days from the date of dispatch. I waited for 14 working days and then they said they don't have any tracking details since it was sent through ordinary mail. 
I waited till XXXX XXXX and then called them again and asked them to issue a new cheque, dispatch it through XXXX or XXXX and share the tracking details. They said they will act on it and will share the tracking details by XXXX XXXX. I called them on XXXX XXXX, they didn't have any update. I called them on XXXX XXXX, and they still don't have any update. So after wasting a lot of my time and efforts I don't have any cheque or any money in my hand without any responsibility being accepted by HSBC for the mess they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nobilis Credit Management, LLC.
State: TX

Complaint narrative:
XX/XX/XXXX I received a message from XXXX with Nobilis Credit Management LLC stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XXXX and spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a XXXX at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
We applied for refinance with Chase. The underwriter asked for additional assets. We emailed about additional asset options several times, but never heard back and shockingly found out that our application was denied on the basis of insufficient asset. The denial decision was ungrounded. We have enough assets. Counting in any of the additional options in our email, we should have enough assets. However, our communication and efforts to discuss these additional asset options kept being ignored. Our application was denied before anyone responded to us regarding those asset options. We deserve more fair treatment, after such a long period of waiting, than simply being dismissed without reasonable communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I received a message from XXXX with XXXX XXXX XXXX XXXX stating this is an opportunity for me to make a statement before my file is forwarded for legal action. XXXX XXXX is their client as I returned the call on XX/XX/XXXXand spoke with XXXX. He went on to say that I attempted to defraud banking institution regarding a payday loan from XXXX. I had never taken a payday loan, I was a student at that time and closed out my account due to fraud transactions. I asked for written documentation in the past when I was contacted by XXXX XXXX, which was not provided. I do not intend on paying this debt as I did not incur it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: CA

Complaint narrative:
There are some fraudulent accounts on my credit, I have sent XXXX disputes to experian, XXXX, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing XXXX business days of recieving the disputes. please help

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 2020-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank is dropping my credit limit to 15-30 dollars above my balance. They say based on derogatory items and the amount I have paid my mortgage down is the reason.

The same public record that was on my file when they approved my is still thee. That did not stop the bank from approving my for several cards. My mortgage is paid on time every month. So are my credit cards. I pay the minimum amount I am billed. Some time more, but never less. This is for my mortgage and credit cards. Now they want to use that to drop my limit and now negatively impact me as it is making my debt ratio sky high. If I choose to pay the minimum, that is my choice. Do not take action that will in turn have unfair consequences on my down the road with other creditors. I pay on time every month.

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 2020-12-03 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: CA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation