vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.

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 2021-07-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire XXXX  on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.

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 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent multiple letters to XXXX XXXX as well as the Credit Bureaus and they have both failed to respond to either of my letters. It has been past the required timeframe for them to respond. The Credit bureaus I wrote a letter on XX/XX/2021 and for XXXX XXXX I sent a letter on XX/XX/2021. I am asking them for validation on a Bankruptcy being reported on my credit report. They have failed to respond even to my original letter which was mailed on XX/XX/2021. They are in violation of my rights by not responding. I have reached out to the Bankruptcy courts and they responded letting me know they do not provide my records to the credit bureaus in regards to my bankruptcy. I will attach all letters mailed for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: VA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XX/XX/2020 a collection letter was sent to me by Southwest Credit Systems add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Southwest credit systems has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2020 a collection letter was sent to me by Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had applied to a couple of jobs 2 weeks ago and I recieved a text message from the phone number XXXX saying " Hello, Good Day, I hope this message finds you in good health. Im Mr. XXXX XXXX from the company " XXXX holding ag '' your resume which was reviewed by the company 's talent acquisition team, will be paid XXXX per hour during working hours, I believe you will be ready to know more? '' they gave me an interview through XXXX  and mentioned that I got hired, they told me that I needed a few equipment to start working on that following Monday and they were going to provide me with the equipment by sending me check, I received the check the next day of XXXX dollars deposited into my Chase bank account while doing all this I was keeping contact with them via XXXX  messages, I have all the evidence and paperwork they had sent me to sign them and emailed it back to them like 3 days later the check still wasn't deposited so I called my bank they told me they were verifying the check the lady I spoke with called another department to see if it was verified at the end of the call she told me that they verified and that there was nothing wrong with the check it didn't seem fake or anything like that so the amount was already in my account so I send them the money they asked me for through XXXX which I have the email of the persons I send the money too I sent XXXX in total to them and XXXX of those was through a visa card the 3 emails I sent it to are XXXX ( XXXX XXXX ) registered as " XXXX '', XXXX ( XXXX XXXX ) registered as " Rainal '' and XXXX Registered as " XXXX '' they also got my social security number two days afterwards I log into my bank account my bank account was and is negative XXXX dollars so I called my bank and they told me the check was fake and that I had to pay the amount negative in the account because I send the money voluntary without knowing it was a fraud job and when I went to speak back to the person he had blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
On XX/XX/2021 I notified my mortgage company carrington mortgage that I need to go into forberance due to finacail hard ship due to covid.. they are not willing to work with me due to the balloon payment is due,, i tried even mortgage asst, refinance etc.. and still nothing from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
American credit acceptance is a financial company that I used to finance a used vehicle back in XXXX. Then i started to fall behind on payments, and tried to set a payment plan with them. I was told, they DO NOT have any kind of repayment plan or refinance option at all. strange but ok, so they wanted the past due balance paid in full to make the account current that was a few grand at best. So I decided to wait for a better option, to either refinance with another company or another loan. Then came covid-19, i was laid off so no income at that time. Things were ok until XXXX on XX/XX/XXXX when my wife left home and went to a local XXXX  in XXXX, IN. Upon coming out she noticed the vehicle was gone, thought is was stolen. She called XXXX to report it and was told it was repossessed. Really how? I spoke to a local police officer that was on scene and he concluded that someone followed my wife from home across state lines to XXXX to tow a car. ( stalking ) not that serious for someone to sit outside my home and wait for my wife to leave and follow her where ever she went. ( crippy ) unacceptable to have my wife stranded in another state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN SAYS THEY WANT ID TO DO DISPUTES. 
EXPERIAN KNOWS WELL WHO I AM ..THATS WHY IM ASSIGNED TO XXXX XXXX IN EXPERIAN CONSUMER AFFAIRS SPECIAL SERVICES.

EXPERIAN DOES NOT WANT TO DO DISPUTES AT ALL THATS WHY THE SECOND DISPUTE ON ANY ITEM IS DETERMINED TO BE FRIVOLOUS.

THEN THEY DO NOT ALLOW UPLOADS SO THAT THAT DENIAL CAN BE OVERRIDDEN, I HAVE PROVIDED SUFFICIENT ID MANY TIMES.

HERE IT IS AGAIN.

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 2021-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NM

Complaint narrative:
IC Systems Re : Dispute of Account No. XXXX XXXX XXXX To Whom it May Concern : I am writing to inform you that I have received your demand for payment, and I dispute this debt in its entirety. This debt was disputed directly to XXXX and was ignored. The basis of this charge XXXX alleges is that they claim the XXXX was returned damaged but failed to elaborate as to what damages they alluded to. Through XXXX ( which I retain copies ) I informed XXXX that the XXXX was in perfect working condition when I put it in the return packaging they required I use. I provided XXXX pictures of the phone as I packed it to assure there were no damages knowing full well XXXX would fabricate these claims to bilk more money from a dissatisfied customer. XXXX refused to provide me with proof that the XXXX was damaged. XXXX did not respond to my further requests for proof of their fictious claim. 

I dispute this claim in its entirety. If this debt is not reversed and or this debt is reported to my credit, I will retain attorney XXXX XXXX with XXXX XXXX XXXX to seek legal action seeking damages and restitution against XXXX and IC Systems. 

To validate this debt, I demand XXXX provide the XXXX in question to prove damages Thank you XXXX XXXX Cc : XXXX XXXX, CFPB, MN Attorney General, 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 2021-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Car accident was XX/XX/2019. Left multiple voice messages to financial person in charge and never got a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Received a call from XXXX XXXX XXXX, stating they were Wells Fargo. This is not a Wells Fargo number and did not have the correct account information. This is a scam.

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 2021-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase with a XXXX XXXX XXXX provided by Synchrony Bank. The terms of the account provided me with a 0 % interest rate subject to the account being paid off in full by the end of the promotional period. I made payments significantly in excess of the minimum amount each month and mailed a check on XX/XX/XXXX in the amount of {$550.00} followed by a subsequent electronic payment in the amount of {$100.00} to pay the account off in full. To date, Synchrony Bank has not cashed my check which resulted in them charging me over {$500.00} in interest on an initial purchase amount of approximately {$1700.00}. I am a XXXX XXXX professional working for XXXX XXXX beyond the stress associated with the impact of Covid on the workplace, I have personally battled XXXX and recoverd from a broken XXXX  in the last year. Candidly, I could have done without the added stress of a financial institution charging me a whopping retroactive 29.9 % interest charge despite the fact that I have paid this account religiously and paid it in full prior to the expiration date of the promotional offer. I have continued to make payments so that my credit is not negatively impacted but hope you can intervene to ensure that the excessive interest is credited back to my account. I am happy to share specifics with respect to my credit but I pay my bills on time.

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 2021-07-30 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: MI

Complaint narrative:
Back in XX/XX/2021 I was solicited to open a XXXX XXXX XXXX account, I responded and opened this account on XX/XX/2021. A few weeks later received another solicitation to open a XXXX credit card through XXXX XXXX. Therefore I opened the XXXX credit card on XX/XX/2021. For the next few months used both cards per the policy/terms and agreement, which was created solely by XXXX XXXX, this includes charges and making successful payments. 
You can imagine my shock when I received letters from XXXX XXXX dated XX/XX/XXXXthat XXXX XXXX has decided to close both my accounts. 
XXXX XXXX has discovered past or present legal action involving an individual or entity associated with the account Unfortunately it can not be reopened and we are not able to offer additional information about this decision XX/XX/XXXXXXXX committed numerous violations just in the wording of the letter, but also violated our contract and both the State of Michigan and Federal laws. 
First, claiming XXXX XXXX is not able to offer additional information about this decision is not only a clear lie, I mean why not they have the information, because they used it to make their decision. Maybe they have information that they shouldnt. Further, refusing to provide a specific reason directly violates consumer rights protecting against discrimination. XX/XX/XXXX knows this, which means XXXX XXXX is deliberately breaking the law with the intent to cause me harm, this is another breach of contract. 
I am requesting the specific information XXXX XXXX used to close my accounts. Additionally, since XXXX XXXX has admitted they solicited me in error, that they allowed me to open these accounts in error then all information concerning these accounts should be deleted from my credit reports. 
As part of accepting the terms of the contract between myself and XXXX XXXX I agreed to the terms with the condition that I would have an open line of credit as long as I did not violate any policy or terms which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase failed to credit my account for 5 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 5 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase mistakenly grouped all items ( including the once they were unsuccessful without noticing that some were indeed successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 5 which Chase did collect must be credit to my account without further delay. - See my letter for further details.

Company response to consumer: Closed with explanation