vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: MO

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt from Spot Loan ( original creditor ). They are also reporting this collection on my XXXX  report. I've asked them to remove this debt numerous times and they have refused. 

Spot Loan just lost a class action lawsuit for illegal loans. This was finalized recently and one of the conditions is removal of this account/loan from all credit reporting agencies. I would like this removed immediately. I am attaching the class action settlement document to this complaint. If you want the full 92 page court document, let me know. As this reported debt is now invalid/obsolete, I also want confirmation from XXXX XXXX XXXX that they will not try to resell this invalid collection debt to another company. 

Thank you

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 2020-09-23 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: GA

Complaint narrative:
I filed a dispute with Experian on XX/XX/2020, and the investigation results were available on XX/XX/2020. I called to get more information, such as the method of verification. that was used to complete the investigation. I was told at that time, the bankruptcy was verified by the United States Bankruptcy Court, and was advised to reach out to them if I needed any further information. 

I emailed and sent a letter to the United States Bankruptcy court, on the advice of the Experian representative. I received an email response a few days later, and I also received a letter stating, " the United States Bankruptcy Court does not provide information to credit reporting agencies. '' I then called Experian again, and spoke with a representative in their Disputes Department. I first asked, what was the method of verification used? She replied, the bankruptcy court, and a third party. I then asked, who was the third party? She refused to disclose the information to, a referred me to the bankruptcy court several times, as she was rude during the entire conversation.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I called XXXX XXXX advised them that I have been Directly impacted by XXXX and not working. I provided them with what insurance I had at that time. Theyve disclosed my medical records and account to agent without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email alert from my credit monitoring service that a credit account had closed under my name. I then proceeded to go onto Chase online and noticed that indeed one of my accounts had been closed. The account ending ind XXXX. This is not the first time Chase has closed an account under my name due to inactivity or attempted to do so. 

Previously, I did receive a letter in the mail and I contacted the bank and they kept an account open. The last time they closed my oldest tradeline with no warning other than to say we sent a letter to you. I fought that issue and lost unfortunately. 

This time, Chase is at it again. In regards to my account ending in XXXX, I spoke with three representatives who all said that they sent me a letter at the end of XXXX and that there was nothing else they can do. I have been escalating the issue further and further to climb up the ladder and maybe get this issue to a product manager who can actually make the decision to re establish an account.

Chase has made XXXX good faith effort to reach me as their customer to inform me of a serious matter of account closure. It is XXXX not XXXX, they have multiple methods of reaching out to a customer. I never received any postal correspondence from Chase and there is no real way to dispute that as there is no tracking information on a form letter sent through the post office. But Chase has my email address, my phone number and a secure messaging service on the online banking service. None of these methods were used to contact me to inform me of a serious issue regarding account closure. 

This will again cause real meaningful harm to my credit as it will be a second long standing card that has been closed by the issuer. That is now a derogatory remark on my file and reduces the age of my credit and also increases the total utilization ratio of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: AZ

Complaint narrative:
My dispute is with Experian and why they can not explain why my FICO Score dropped 60 points in a month. Their blase ' response is to provide me with percentages ... and a swipe of their hands to dismiss me because, as they say, FICO scores can not be disputed. HUH? I thought, " So you can't fight City Hall? I have no recourse, they say. Their Boost program might help my score, but I have to give them permission to review my bank statements ( after their breach in 2017 ), and/or apply to one of their referred credit card companies. 

Back to how my score would drop so drastically after a year of stabilization. I was considered fair and now I am considered poor and I don't know why it changed. I did apply to XXXX XXXX for a credit card, a hard inquiry. 

My credit report shows " You have no positive factors impacting your score. I had decent credit for years before I had a financial hardship, and they are on my credit report. And the credit card companies 'charged off ' my debt a while ago. And now Experian, shows that I have 7 NEW late payments. These are the old charged off accounts, except for XXXX which is in collections for {$160.00}. These are not NEW. Why are they affecting my FICO score now? 

Experian notified me of my credit score drop and immediately offered me credit card application solutions. 

Experian said that their models could change and this might be a contributor to my drastic score change. How can they decide to change models at the detriment of consumers? 

How can Experian being exempt from mistakes? 

I need help to correct this serious problem. I need a sound explanation as to why I am stuck under a thumb that doesn't care about consumers. This is UNFAIR! I

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have paid this debt directly to the hospital. I never had an agreement/contract with CMRE, yet they are reporting my minor son 's bill on my credit report. Attached is the receipt of me paying the hospital. I do not have an account with CMRE, nor have I ever had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Equifax Incorrect Names : XXXX XXXX XXXX Equifax Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian Incorrect Names : XXXX XXXX XXXX Experian Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

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 2020-09-23 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA XXXX ( XXXX ) 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 2020-09-23 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: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, per Customer Service email, I was granted an extension on a promotional purchase plus waived several payments due to the Covid crisis. The extension on interest charged was given until XX/XX/XXXX. I checked in XXXX with a customer care representative and that the extension was good and informed that person I would be making the payment in XXXX. I called to make that payment and the dollar figure that I was given and was informed that extension was not granted and that I owe the interest accrued of over {$2000.00}. I have since tried to contact JCP/Synchrony Bank on several more occasions to resolve the problem and to payoff the promotional balance and am being told there is nothing to be done to waive the interest. JCP/Synchrony has not acted in good faith and have reneged on their offer. I have an email from XXXX to support this fact.

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 2020-09-23 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My credit card company has closed my merchant non-performance dispute as they explain that too much time has elapse to collect from the merchant. Our purchase was for a XXXX XXXX membership that included " points '' awarded yearly to purchase travel related products such as airline tickets and timeshare stays. We purchased the {$19000.00} 25 years contract using 4 credit cards transactions. Three transactions with Barclays and one with XXXX. I will attach recent correspondence with Barclays that will detail the history starting with Barclays rejection of two f the dispute. One dispute was refunded after the Barclays investigation but the other two were not due to their agents failure to properly process the complaint that was filed by phone. The three transactions were disputed at the same time but the agent used a single case number which caused the other two to be dropped or ignored. The fourth dispute filed with  XXXX was refunded after their investigation. Again these details are in the attachment along with copies of the letters and evidence that my letters were faxed and expressed mailed to Barclays. I have tried to reach out to Barclays, twice, to avoid escalating resolution to a third party but they have not responded to my disappointment.

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 2020-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX of XXXX, I purchased an online subscription to XXXX  XXXX XXXX. At the time of my purchase, I told them that I would only purchase if they did not do auto renew. 

They sent me online magazine subscriptions, until XXXX of XXXX when I unsubscribed as nothing they sent to me was worth while. 
In XXXX of XXXX, when I received my Credit Card Statement from Capital one, I saw a charge for XXXX. 
I called Capital One, and they reversed the charges, then they called XXXX XXXX, and XXXX XXXX said that I agreed to another year which is a total lie. 
Capital One did nothing to protect me and re added the charges to my bill. I have put a " Stop all Charges '' on my Cap One Credit Card to protect myself. I won't even charge anything. I put a review on XXXX as well as a complaint to the Dept of Consumer Protection. All Capital one did, was give me your information. I am a XXXX Year old XXXX XXXX XXXX, working to put my grandaughter through college. I am so angry with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have been trying to get a loan forbearance or loan modification for my loan but to no avail. Now I have been told that they have escalated my account to a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. I filed a complaint with the XXXX XXXX XXXX. Wells Fargo responded to my complaint saying the validation of the account was included in the response and it was not. Wells Fargo continues to re age the account and recently instead of removing the account they updated my current address on the account without my authorization. Please remove this account with Wells Fargo from my credit report. 

Attached is my police report, Drivers license, social security card, and utility bill.

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 non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: OH

Complaint narrative:
Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief