vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 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: CA

Complaint narrative:
Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my Equifax report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with Equifax. They said they will not send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: CA

Complaint narrative:
Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX  report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.

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 2019-12-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY 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 2019-12-21 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: IL

Complaint narrative:
On XX/XX/XXXX, I was alerted by my Chase Amazon credit card that my card had been shut down due to suspicious activity. I immediately signed in to my credit card account to find the following : XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX XXXX Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX TOTALING- XXXX After finding these fraudulent and unauthorized charges I contacted Chase card services to report that, these were not my charges. After speaking with Chase, I contacted Amazon and XXXX XXXX. At which time, I was told the charges, from both companies would be removed. And, they were ... UNTIL ... I learned today XX/XX/XXXX, that I had been re billed for these previously removed unauthorized charges to my Chase Amazon Visa. I was also not informed in any way by Chase Amazon Visa that these charges were being rebilled or why, I just happened to be going over my XXXX statement and bam ... there they were AGAIN all {$360.00} of fraudulent charges complete with interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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:
On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to Experian, XXXX  and XXXX letting them know that a creditor XXXX  is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, Experian, XXXX, and XXXX  are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

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 2019-12-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY 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 2019-12-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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: NJ

Complaint narrative:
I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX Card Services on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I filed a complaint in XXXX and some of the accounts were removed but not all of them. I am filing another a complaint because it seems that is the only was Equifax takes action. I would like the bankruptcy and the XXXX XXXX Card Services deleted from my credit report and taken off my account immediately. I have attached the last three letters that I have sent to Equifax even the letter when they did not respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: IL

Complaint narrative:
From XXXX XXXX, XXXX to U.S. Dept of Education, from XX/XX/XXXX until I stopped paying in XX/XX/XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number.

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report!

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XX/XX/XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.

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 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express has two debts of credit of {$930.00} twice with two different account numbers for the same authorized user on my account. My account also has XXXX which is the only balance. I just found out about it after a year on XX/XX/19. I always transfer out of the United States with the first person that doesn't understand XXXX. I always have to ask the rep to transfer back to America. I asked them, to take it off immediately. Once transferred back to the United States, I was told it from another rep that I could not be taken off until they report to the credit b. report or 10 days after the backup team views the complaint. I was not told if that was business days. The card was never activated for the authorized user and his second card never came. Thank goodness there were not any purchases. This is why I don't understand why the credit b. put it on his credit report. This has reflected report account has been negative for almost 2 years giving him a spending rate of 38 %. Also, it has not allowed him to get an increase in credit because lenders don't like to like to see too many accounts opened within a year. He never opened an account with American Express he was just an authorized member. 
People, please watch or teach your young people to monitor there credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a balance of close to $ 10k with Capital One. When I paid it all in full they blocked my card and asked me to fax them my bank statements. I did not want to go through all that hassle just because I paid my balance in full, so I asked them to close my account. 
At this point I have a final bill from them for the last months charges, however they dont allow me to redeem my rewards points. 
Basically after closing the account, they expect me to pay what I owe them, but they dont plan on giving me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America withdrew {$1700.00} from my checking account. Giving me a credit of {$1700.00}. On XX/XX/2019 I called to request a full refund since my balance was {$0.00}. On XX/XX/XXXX Bank of America states a refund was issued to my checking. My bank said Bank of America did not refund any funds to my account. 
I have called Bank of America and each time I am told I have to wait. Today XX/XX/XXXX I am still waiting and each day since Bank of America said a credit will be issued it hasnt. When I call them they say they need more 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 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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:
On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, Transunion and XXXX letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, XXXX, and Transunion are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

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 2019-12-21 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: TX

Complaint narrative:
On XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to XXXX, XXXX and Equifax letting them know that a creditor XXXX is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, XXXX, Equifax, and XXXX are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

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 2019-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am a XXXX veteran who co signed on an auto loan with my XXXX  XXXX veteran brother who has XXXX. 

Complaint # 1 I was not informed that late payments would be reported to my credit report because the Dealership nor G.M.Financial Corp.did not provide a seperate co-signer notice as stated below by CFPB Regulations, until I received a phone call from G.M. Financial on XXXX-19 after payments was 3 months passed due. After the call I immediately checked my credit score and was devastated to see that my score had decreased each month by a huge decreased amount and now below 600 fica score. G.M. Financial and the Dealership must be held legally accountable and correct this illegal act. 

CFPB Regulation as follows : As co-signer, you should receive a separate notice by the lender prior to signing the agreement. The notice will contain the following information : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. 
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. 
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. 

Complaint # 2 During the phone call mentioned above on XXXX-19. I informed G.M. Financial that my brother was having XXXX Behavior episodes and that I as the co-signer which to surrender the vehicle that is in default because I didn't know the each late payment would be reported monthly on my credit report. I was informed that it was an option and my right. Then I was told that I had to find the vehicle and have it in my possession even though I am the co-signer and don't have a tracker on the vehicle as G.M. Financial does and I don't know the location of the vehicle. G.M. Financial must be held legally accountable and correct this illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am not able to submit a dispute online with Transunion website, as it is giving me issues. Attached to this complaint is my police report showing the unauthorized inquiries on my Transunion credit file. These inquiries are a result of fraud, as I am a victim of identity theft for many years now. The other attachment shows the inquiries that are being disputed.

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