vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. It was recommended to me that if something did not seem right on my credit report, that I should send letters to the credit bureaus for them to fix any of my issues. So, I proceed to send a letter to TransUnion on XX/XX/2020 to place disputes on anything that seems to be inaccurate on my credit report. 
I received a response back that the alleged bankruptcy was verified as accurate. Since TransUnion, did not remove the incorrect information, I then again sent them letters dated XX/XX/2020 and XX/XX/2020. I never received a response from TransUnion. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked TransUnion for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from TransUnion. They have failed to comply with the FCRA. 
Attached are all documents regarding my complaint against TransUnion. 
I ask that TransUnion complies to the Fair Credit Reporting Act and removes the item Chapter 7 Bankruptcy case number XXXX from 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 2020-08-12 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: CL Holdings LLC
State: GA

Complaint narrative:
Disputed information with XXXX  in reference to XXXX XXXX XXXX. Account was sold to JCS. 
JCS repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to XXXX  JCS ( Jefferson Capital Services ) had my new address and repoed the truck, as well JCS intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent XXXX  screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX - CARD SERVICE XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: FL

Complaint narrative:
Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My husband, who is the sole provider of my household, owns a travel agency which has been directly impacted by the covid-19 pandemic, resulting in financial hardship for our family. I have communicated this information to my mortgage lender - Rushmore Loan Management Services - both verbally and in writing, asking for a forbearance plan for our mortgage payments. They provided us with a payment deferral plan from XXXX ; however, when I asked for an extension of the existing payment plan or to be put into a forbearance plan due to our pandemic-related financial hardship, they mailed me a multi-page package requesting detailed information about my monthly income and expenses, as well as a copy of paystubs, bank statement from all my accounts, signed and dated tax returns, and last 3 months of Profit and Loss Statement signed and dated, among other things, in order to review and determine my qualification. 
I would like to know my rights in this situation and if I am indeed required to provide the information requested on this packet in order to receive a forbearance from my lender, because according to CFPB 's website " Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and guidance from federal agencies and the GSEs, there are two protections for homeowners with federally or GSE-backed ( XXXX XXXX or XXXX XXXX ) or funded mortgages : First, your lender or loan servicer may not foreclose on you until at least XX/XX/2020. Specifically, the CARES Act and the guidance from the GSEs, the FHA, the VA, and the USDA, prohibit lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale. This protection began on XX/XX/2020, and extends through at least XX/XX/2020. 
Second, *****if you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forbearance for up to 180 days. You also have the right to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). ***** You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. *****You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship. ****** '' Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
I recently tried to dispute some accounts that were on my credit report with Trans Union, XXXX, and XXXX. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to file complaints against them. 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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX and XXXX for Bank of America has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. 

Also, the last bill I receive the amount I owe was {$4200.00} but XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX ) are charging more and claiming no interest was added which is not true. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX   XXXX, NC 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 2020-08-12 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:
MISSING INFORMATION ON MY XXXX   AND EXPERIAN MY MORTGAGE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Need a new card cause of identity theft. Need to replace this old card for security purposes

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I was charged by XXXX for XXXX i called my bank and claimed it fraud for my credit card sas stolen as well as my phone. I called up XXXX XXXX many times in regards to this purchase and I was told that iteam was returned to them. How ever they will not be issuing me any refund for there was a flash on the account which the item was bought with and they refused to give me back my money even though they have the item at hand. I asked for a receipt for the retuned item and refused to send it to me. My credit card chase united explorer mileage plus. Have stuck me with the charges even though XXXX XXXX has the iteam retuned and they told me to deal with XXXX XXXX. Though after many phone calls and 3 months latter I still never received a refund back. Now I am being charged the full amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: ProCollect, Inc.
State: AR

Complaint narrative:
In 2015, terminated a lease and gave 60 day notice. Fees were resolved by deposit. I was only suppose to be responsible for cleaning fees and past due rent which totaled to {$1100.00}. Credit agency is reporting balance of {$3100.00} and will not investigate.

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 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery is illegally reporting an alledged debt on my credit reports that is not mine.This alledged debt reports as account # XXXX on report ( s ), This company has violated my rights under the FDCPA and FCRA. 
I mailed letters certified to the credit bureaus disputing the inaccurate, injurious and erroneous information that is not mine.I also mailed a validation request that was mailed certified as the dispute letters all article numbers availible upon request This company responded to my validation request by sending paperwork that has nothing at all to do with me, Another violation committed by this company is continued collection activities, This company may also be liable for willful non- COMPLIANCE as it knowsor should know that the allledged debt they continue to report in my credit files are inaccurate, erroneous and injurious to my credit standing and overall financial status. 
I plead with the CFPB to assist in this matter.I want all this false information remove from my credit report ( s ) IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I was checking my credit score when I saw a company named Afni, inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested a dispute because my birth year is wrong and it was not changed and told me my results couldnt be shown online.

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 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: PA

Complaint narrative:
I used an App known as " Wave '' or " XXXXendWave  '' to send {$660.00} from XXXX, Texas to XXXX, XXXX. The funds were supposed to be for purchasing Auto Racing equipment. 
Transaction Time was : XX/XX/2020, XXXX XXXX EDT. 

The intended recipient already stated that the funds never arrived in his account and he has proof that XXXX XXXX XXXX XXXX XXXX XXXX in XXXX stated that the funds never posted because he had an exceeded limit of funds in his account for the transaction to go through. I have written to the people at Wave and from time to time I would get bounced from one support associate to another and the cycle would start all over again and they ask me to write another explanation. I have all transcripts between myself and the company and the last was from an associate named XXXX XXXX and this is what it states " This is XXXX from Sendwave. So sorry about that. We have sent a reversal request to XXXX and we will update you as soon as we receive feedback within 24 hours. '' Below are the details to my transaction!! 

Amount Sent : XXXX USD Amount Received* : XXXX XXXX  Exchange Rate : XXXX XXXXXXXX  USD Transaction Time : XX/XX/2020, XXXX XXXX  EDT Funds Available : XX/XX/2020, XXXX XXXX  EDT Confirmation Number : XXXX Email us at XXXX XXXX XXXX if you have any questions about this transaction!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
I recently tried to dispute some accounts that were on my credit report with XXXX XXXX, XXXX, and Equifax. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to  file complaints against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-08-12 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: NV

Complaint narrative:
There seems to be numerous inquires on my credit report that I did not authorize and Equifax reinserted some that they took off but reinserted them without informing me nor validating the inquiries. Equifax breach has really caused lots of consumers major fraudulent problems. I have reached out to the fraud team department of the creditors and alerted them that I did not authorize these inquiries and they stated to dispute them with Equifax which I have done so but Equifax keeps sending me a pre made letter stating they verified them when they have talked to no one regarding these unauthorized inquiries. 

The unauthorized inquiries are : XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX-XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX-XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX 

XXXX XXXX Inquiry fromXX/XX/2020. 
XXXX XXXX-XXXX  Inquiry fromXX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXXXXXX  Inquiry from XX/XX/2020 all these inquiries are unauthorized and they need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AmeriCollect
State: PA

Complaint narrative:
My balance was paid to {$0.00}. I contacted each individual credit bureau XXXX XXXX, XXXX, and XXXX  XXXX about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

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