vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For my credit report with XXXX, Transunion & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, Transunion & XXXX and my credit score should be returned to what it was in the previous 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
For my credit report with XXXX, XXXX & Equifax on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX Bank for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, XXXX & Equifax and my credit score should be returned to what it was in the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was unable to continue making payments on my Citi Costco Credit Card sue to Covid hardships. I communicated with a few collection agents for some time telling them I was looking for a drastic solution. Finally on a XX/XX/XXXX I spoke with an agent I had spoke with before telling him I had come across a lump some of money from selling assets of mine, that I would be paying the entire balance of the card the following day so that it would be brought back to current and I could utilize it again and revitalize my credit. He told me this would be no issue, that once the payment posted I would be able to use my card, he even reversed a late fee as courtesy and everything was good to go. Once my {$12000.00} XXXX posted on XX/XX/XXXX, my account was immediately closed, no questions asked. This was not only deceiving but manipulative and plain wrong.

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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I wrote to TransUnion requesting an investigation into items that i believed to be inaccurate. To date I have not received a reply from TransUnion or any acknowledgement that an Investigation has started. I've attached my proof. 

I requested an investigation for XXXX : Account Number XXXX I requested an investigation for XXXX : Account number XXXX TransUnion did not comply with their policies to complete and investigate items within a 30day period.

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 2021-11-04 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: NC

Complaint narrative:
On XX/XX/2021, a wallet belonging to me was stolen. This included credit cards and specifically my Chase credit card. 

That card was charged for over {$1500.00} of fraudulent charges. On XX/XX/XXXX I called the company and had them mark it as fraud. 
On XX/XX/XXXX I received an email from Chase saying the review of the fraudulent charges was complete and a letter was posted to my account. When I went to review my account, no letter has been posted and no letter since then has been posted in my account section as detailed via the email. 

In addition the charges were reapplied without receiving a letter on my account or via mail and even on XX/XX/2021 I still have not received a letter or any writing to evidence the review. 

When I called the company on Monday XX/XX/XXXX, I was told the fraud had been denied and I needed to provide additional evidence. They did not once reach out to me during the initial review period spanning XXXX XXXX XXXX. 

Within 30 minutes I provided detailed emails showcasing the police reports and conversations. When I called back on XX/XX/2021 the company could not provide any new updates because they still needed more evidence that the purchases were fraudulent, while they charges remained on the card increasing my current balance and potentially impacting my credit score and refusing to issue temporary credit while investigating the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 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: LEXISNEXIS
State: DE

Complaint narrative:
I have reached out to LexisNexis Several times and also had my attorny send them notice about an alleged bankruptcy reporting on my file. Ive asked them multiple times for proof and they have none with is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the I C SYSTEM INC ( XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX.

I C SYSTEM INC ( XXXX ) XXXX Date opened XX/XX/2021 Balance {$1300.00}

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 2021-11-04 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: PA

Complaint narrative:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting Transunion is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and XXXX {$13000.00} Transunion is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXXXXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and equifax {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: PA

Complaint narrative:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a past due of {$13000.00} Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a high credit of {$9800.00} Experian is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

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 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Debt Collector, " AARGON AGENCY INC, '' posted {$97000.00} Open balance, opened XX/XX/2020 Original creditor " XXXX XXXX. '' Debt Collector, " AARGON AGENCY INC, '' has failed to validate in timely manner ; and has failed to provide XXXX with " proof of contract. '' XXXX XXXX requests that XXXX be instructed to stop reporting the above information without showing debt was validated by written proof of contract. 
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 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
XX/XX/2021 I woke up to my mortgage payment being declined for {$0.00} less in the account then needed. I then fixed the issue, contacted CMG, and asked if they would try to pull the money again. The agent stated that they wouldn't. I then submitted a payment. On XX/XX/2021 I then looked at my account and I was over drafted due to CMG taking a payment and processing my payment. I then contacted them to rectify this and they refuse to acknowledge the issue, disconnected the chat, and when I chatted back realized they never verified my account before communicating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX I began the process in applying for the Public Service Loan Forgiveness Program PSLF. Due to COVID-19 in XXXX the process was delayed. Around XX/XX/XXXX I was approved for the PSLF program. XX/XX/XXXX I provided an updated employment verification form which was sent by my employer and received by Fedloan. I placed a call to Fedloan in XXXX to verify when I would need to provide an updated paystub at which point the customer service representative stated it would be due by the end of XX/XX/XXXX. 

I called customer service approximately 23 times since XX/XX/XXXX to present with no response. Hold times varied from one hour to three hours including automated call backs.

I uploaded the paystub to their web portal however no response as to payment amount or additional process, furthermore I left approximately 9 emails with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX  in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX  a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2021 my XXXX Credit Card was transferred to Capital One without my knowledge. I had auto-payments setup for the XXXX Card which were cancelled in XXXX without my knowledge. 

Today I received a statement by mail from Capital One stating that my account is 2 months past due. There is a late fee of {$40.00} charged for XXXX. I presume I was also charged {$40.00} late fee for XXXX. 

Upon reading the statement I also noticed that the account number referenced does not match my credit card. Apparently, Capital One changed the act # and never informed me nor sent a replacement card. 

Upon reading the XX/XX/2021 statement I phoned Capital One. The representative explained that my XXXX  Acct was taken over by Capital One in XXXX and that they received my XXXX payment from XXXX. However, XXXX and XXXX payments were not received. The rep stated that policy was to send a notice to the credit bureau on 30, 60 and 90 day past due accts. 

The Capital One rep informed me that she could not correct any notices to the credit bureau but provided an address to write to for Credit Bureau Disputes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I then closed the account and paid off the balance 0f {$630.00} via bank draft. I have written a letter to the disputes dept.

I am asking your help in getting the following : 1. Letter to all credit agencies negating any late notifications that were sent by Capital One.

2. Refund of all late fees imposed by Capital One. I estimate this to be {$80.00}. 

It is not fair that I did not receive prior notice of the transition from XXXX to Capital One and that may auto payments were not honored for a reasonable grace period ( 60 days ). I have experienced this with my mortgage which changed hands several times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 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: PA

Complaint narrative:
The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police 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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Had identity stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX ( Original Creditor : XXXX  ) XXXX $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I, the natural person IS NO RESPONSIBLE FOR THIS DEBT. I keep receiving mail saying i owe this debt. 

all information is included in the affidavit of true pertaining to where this company went wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation