vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was in a deferment due to COVID 19 I was told I could put the mortgage at the back end if the loan. To qualify I needed to make 1 payment by XX/XX/2021. I made the payment on XX/XX/XXXX and was told by relationship manager that the payment was short XXXX which I paid on the phone. I was told I would receive a letter in 7 days. I get a call XX/XX/XXXX that I no longer qualify after the payment has been made. Now I'm told I'm only eligible for a modification. I'm trying to refinance and won't qualify if I am in a modification. I was told in XXXX that if I make a payment I would again qualify. I made a payment in XXXX and then told in XXXX that I don't qualify. This chase bank is playing games and giving false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This debt was from a medical issue that dated back to XXXX 's with my parents, specifically my step fathers insurance. 

This debt somehow was passed down to me and still to this day reports on my credit report after it was bought and sold several times, despite it never being on my insurance as I was not of age. 

The company, choice recovery, bought the debt in XXXX of XXXX and the individual at the company even stated it would not have been my debt, but that they are a debt collector and have to collect any debts and accounts in front of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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:
Purchase History : I made a {$420.00} transaction on XX/XX/XXXX on XXXX XXXX XXXX. However I was not satisfied with the purchase, and I returned the product on XX/XX/XXXX for a replacement. The merchant promised to ship the replacement the week of XX/XX/XXXX ( see the email thread attached ). But I never receive any replacement. 

Dispute History : I opened a dispute on XX/XX/XXXX with Chase since I purchased the item via a Chase credit card. Then, the merchant started to contact me and asked me to close the dispute. And they promised to process the refund if I close the dispute on XX/XX/XXXX. So I called Chase to close the dispute on XX/XX/XXXX. 
I closed the dispute but the merchant still refused to refund me. I called their service center on XX/XX/XXXX and they suggested mailing all the evidence to them for restarting the dispute. I sent the letter on XX/XX/XXXX. 

Dispute result from Chase : I checked the status on XX/XX/XXXX, it shows the dispute was closed. I contacted Chase on XX/XX/XXXX. The specialist said chase closed this dispute because it passed 60 days timeframe and the letter we sent was invalid because it passed the 60-day frame, which is not correct considering that the merchant promised to ship the replacement on XX/XX/XXXX, which I never received an item. Chase didn't even go through the evidence and simply closed my dispute. I haven't received any item nor refund from the merchant/Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BANK OF AMERICA HAS CLOSED MY ACCOUNT BECAUSE THEY NO LONGER WORK WITH XXXX BUT XXXX CLEARLY STATED THAT WE WOULD BE ABLE TO USE THE CARD UNTIL XX/XX/2022 IM UPSET BANK OF AMERICA LIED AND TRIED TO SAY XXXX CLOSED MY ACCOUNT BUT A REP FROM BANK OF AMERICA CLEAR AS DAXXXX STATED THAT IT WAS BANK OF AMERICA NOW THIS BANK WANTS ME TO REVERIFY MYSELF THROUGH XXXX XXXX IS STATED THAT I SHOULD BE ABLE TO WALK INTO A BRANCH TO RECEIVE MY FUNDS FROM THIIS BANK BUT BANK OF AMERICA IS SAYING THEY CANT DO ANYTHING UNTIL I VERIFIY MYSELF MY BALANCE IS STILL THERE IN THE ACCOUNT I BELIEVE XXXX AND THE REP FROM THE BANK THAT BANK OF AMERICA CLOSED THE ACCOUNT WITHOUT WARNING AND I DEMAND IT TO BE REOPENED NOW I NEED MY FUNDS NOW YOU HAD NO RIGHT TO FORCE CLOSE ANYTHING MY FUNDS ARE IN THERE AND I HAVE CLAIKS STILL

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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH Mortgage on XXXX, XXXX and XXXX XX/XX/XXXX refused to accept my regular monthly mortgage payment due for XX/XX/XXXX. My mortgage forbearance ended XXXX XX/XX/XXXX. Numerous times on XXXX XX/XX/XXXX on my recorded line XXXX different PHH Mortgage representatives insisted I must pay the differed mortgage forbearance amount in full before they will accept my XX/XX/XXXX regular monthly mortgage payment. PHH Mortgage representatives would not provide any other options except payment in full of the differed forbearance amount right now. PHH Mortgage already approved my mortgage forbearance amount to be paid at the end of the mortgage. PHH Mortgage representatives many times during the active XXXX minute recorded phone call on XXXX XX/XX/XXXX, adamantly denied my right not to be required to pay the differed forbearance amount all at once before accepting my XX/XX/XXXX mortgage payment, I believe they were reading from a unlawful rehearsed script. They made an offer for them to call me back in a few weeks, I refused and demanded they accept my XX/XX/XXXX right now. At the end of the call I was informed they would call be back within XXXX hours. If they do this to me they do it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/21 I purchased an item using PayPal via a credit card on file with them. The vendor is located in XXXX, and the credit card used does not charge international transaction fees. The item was priced at EUR XXXX, for which PayPal charged my card {$670.00}. Upon realizing that the exchange rate listed did not match the published exchange rate ( the charge should have been approximately {$640.00} ), I immediately requested a refund from the vendor. The vendor provided the refund on XX/XX/21. PayPal, however, refunded only {$640.00}. Upon pointing the error out to PayPal, their response was that they charge an international currency fee, and that it won't be refunded. The fee is not disclosed on their pay page. The only indication is that the exchange rate does not match the charged amount. One would need to do the math on the fine print of the exchange rate to realize this. After several exchanges with PayPal they refuse to refund the charge, stating that they would only refund it if the refund happened the same day. The reality of international commerce, especially overseas, is that time differences make a same-day refund almost impossible, even if the request is made and responded to in a reasonably timely fashion. There is no disclosure of the fee on the pay page, and they won't refund it even if the vendor refunds the payment. This is unethical at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused 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 non-monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Advisory Group, Inc
State: CO

Complaint narrative:
a company called national Advisory was going to manage my student loan debt, Ive sent them XXXX per month for the last 5 months, but have heard nothing from them. I called the Federal Student Loan office and they have never heard of this company. this company does not return phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent my FTC report and the account still appears on 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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HELLO, THE CREDIT REPORTING AGENCIES ISN'T FOLLOWING THE LAW WHEN REPORTING ACCURATE INFORMATION, ON MY CREDIT PROFILES, AND IT'S HINDERING ME. 

THE 15 USC CODE 1681 ( A ). 

THE CREDIT REPORTING AGENCIES ARE GOING AGAINST THE LAWS, AND IT ISN'T FAIR. By the credit reporting agencies not reporting accurate information. 
You can check out my attachments of those snapshot of the incorrect information they have reporting.

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 2022-01-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am the the consumer and a natural person. Consumer reporting agencies are violating my rights according to the FDCPA and FCRA. They are not reporting an accurate report. Reporting false and misleading information. Ruining my reputation. Stopping me from doing business with other companies. The consumer reporting agencies are still showing accounts on my consumer report that have been deleted.

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 2022-01-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, Equifax, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit card with XXXX XXXX and I have paid the resting amount and it still shows up on my credit and its saying they charged a 2 dollar fee and they said it was a mistake and it still shows up on my credit and my credit score went down And I want that fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Account Name : XXXX XXXX XXXX Amex a/c # XXXX, don't have the full numbers coz I did not received the card. Present address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX & XX/XX/XXXX : I rec 'd a letter of confirmation for request, which I did NOT, to update my address on my Amex acct # XXXX, but still gave my present address. 

XXXX XXXX, XXXX : They informed that I have an Account Balance of {>= $1,000,000}, which I readily disputed on my response on XX/XX/XXXX. I requested copies of all the charges made be sent to me for verification, in order to help both of us ( AMEX ). 

XX/XX/XXXX : infroming us USPS can't deliver to said address. The city is wrong, XXXX insread of XXXX XXXX. Inefficient staff they assumed same city ( XXXX ) on different state. 

XXXX XXXX : Rec't Statements for XXXX, XXXX & XXXX XXXX, XXXX {$18000.00}. 2nd Req. 
for detailed charges made. 

XXXX XXXX : Advised that they recived my inquiries. 

XX/XX/XXXX : Advised that the requested statements can NOT be provided due to inactivity and fall outside the retention period. 

XXXX XXXX : Furnished Statement ( s ) copies beriod beg XXXX XXXX XXXX XXXX still don't have the detailed Charges. 

XX/XX/XXXX : Advised that they are working on it ...... AGAIN ... .STILL. 

XX/XX/XXXX : Informing me that my Application for a card is denied. I disputed their decision since they did Not investigate my concerns. Inefficient, all they have to do is check whether there is activity in any of the credit reporting companies to check if I am telling the truth. 

XXXX XXXX : Same as XXXX XXXX XXXX : Again, start of investigation. 

XX/XX/XXXX : Again, they will be investigating, back to ground " 0 ''. 

XXXX XXXX : Denied! Replied XXXX, I insisted that they correct their records and the Credit Bureaus and sent me the corrected report. 

XX/XX/XXXX : Sent me same sets of Statements, what a waste of their time and mine.

Company response to consumer: Closed with explanation