vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has closed my account Wednesday XX/XX/XXXX. I called them to ask why they have cancelled and Chase refused to give me an answer. They just told me that they have a right to not bank with me. I wanted to know the reason they closed my account and they didn't give me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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:
XXXX ; XXXX  and Transunion should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-14 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:
XXXX  ; Experian and XXXX  should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-14 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis has a phone number from 10 years ago. I have been calling since XX/XX/2019 to get it updated to no avail. I don't understand why they will not make any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2020 early XXXX, my wallet was stolen from my home by a close family member unbeknownst to me and after the police officer allowed this person to come inside my home alone, while I was outside, to get their belongings. I awoke to alerts coming in on my phone of numerous transactions on my credit cards. I immediately called all credit card companies to report card stolen and was credited all charges. I called JP Morgan Chase to report my wallet stolen to include my identification, SS card and debit card. Upon reviewing my account, there was an {$800.00} ATM withdrawal from a Chase ATM. Chase initially provided a provisional credit and I thought the matter was closed. I additionally made a police report and took out an order of protection against the person. On XX/XX/2020, I reviewed my account to see the provisional credit was reversed and pending on my account : I was never contacted by Chase representative and had not prior official notification of this reversal. I called Chase Fraud on XX/XX/2020, waited over 2 hours and finally got through to an agent. The agent told me that it was reversed because the person used my pin on 1 attempt. I explained to the agent all circumstances to include I have a police report and protection order -So what did I do wrong? I also asked how someone could withdraw {$800.00} when my daily limit is {$500.00}. She could not answer and proceeded to connect with an agent in the ATM department. I asked this agent this same question and I was told " If someone uses their debit card at specific CHASE ATM 's they could withdraw 50 % up to {$3000.00} ''. I was in shock and so was the fraud agent as she had no idea this was possible either. I stated I was NEVER made aware of this at anytime and how could Chase allow this to happen. The ATM agent could not answer BUT stated if there was fraud and before he could finish, I stated there was fraud and Chase just reversed my credit. The fraud agent disconnected with the ATM agent and asked me to fax in my police report and protection order as she believes this is special circumstances and the fraud claim should be re-opened, HOWEVER there are no guarantees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I'm a XXXX Veteran was in XXXX treatment and told the loan company BSI Financial services i would send payment later. 

THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I reported identity theft and sent letter and forms to credit bureaus and still received no responses or any updates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/XXXX I paid in full a charge off from Wells Fargo Dealer Services. This closed the account and released the car title to me. In XX/XX/XXXX WFDS updated the reporting on this charge off to XXXX   as late that month. It is now reporting as a current late and has dropped my credit score 20 points. The account was closed in XXXX. It should not be updated as current. I have tried to correct this with XXXX, Wells Fargo Dealer Services, and now twice with CFPB.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX with a limit of XXXX. I received a letter, email and text stating that the company would no longer be able to honor credit moving forward, but there would be no negative impact on credit as a result of their closing accounts with XXXX customers. 

My account has always been paid on time and was currently at a XXXX  balance owed status. I was disappointed that I would no longer be able to utilize the card, but understood that COVID-19 has caused many challenges for banks and businesses, so I accepted that the account would be closed shortly. 

Most recently, I looked at my credit report and noticed that they left a remark stating " suspended. '' My score dropped 34 points from " Good '' to " Fair! '' I immediately called them to inquire why the remark was left on my account, but they did not have a clear answer. They only stated that it was the standard remark placed on all the accounts before they close them permanently. 

I clearly understand that a bank or agency may no longer able to extend credit, but I don't understand how a stellar account holder in excellent standing is able to be penalized for their inability to continue business practices.

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 2020-04-14 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: LA

Complaint narrative:
I have sent several emails to XXXX  XXXX XXXX CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call XXXX  they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive 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 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a letter from Phoenix Financial Services Saying that a debt collection of XXXX was owed for a Medical Bill from XX/XX/XXXXthat was paid already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: IL

Complaint narrative:
Called during Covid-19 crisis after XXXX. XXXX issued guidance on collection suspension for at least 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for CareCredit In XX/XX/2019 to cover a medical procedure at XXXX XXXX in XXXX, FL. The details provided on the form were correct. In late XXXX or early XXXX I saw a negative account issue in my credit report, but I had never received any billing information from CareCredit. They sent me no mailings or emails regarding my account, the new account number or the balance. I called them and spoke to a representative who confirmed that the address was correct and he stated that the mail was inexplicably returned as " not delivered '' or " undeliverable ''. After the conversation, I did receive the information required to make payments and the account will be paid off tomorrow but my credit report has been damaged through no fault of my own. I have since learned that this is not the only occurrence of this type of behavior by CareCredit and that they are quick to report issues to credit reporting agencies without following up on making contact with their clients. I would like to see my credit report repaired and see CareCredit held accountable for this deceptive practice.

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 2020-04-14 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: CA

Complaint narrative:
I'm a XXXX Veteran was in XXXX treatment and told the loan company XXXX XXXX XXXX i would send payment later. 

THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS

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 2020-04-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, -, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax XXXXnformation Services regarding my credit file. Equifax Information Services further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX and XXXX   reported to Equifax Information Services that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NJ

Complaint narrative:
I reported identity theft and sent letter and forms to credit bureaus and still received no responses or any updates

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 2020-04-14 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: NJ

Complaint narrative:
I reported identity theft and sent letter and forms to credit bureaus and still received no responses or any updates

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 2020-04-14 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: NJ

Complaint narrative:
I have been a victim of fraud. I reported it to the credit bureaus sent all documents and letters. And I still received no updates.

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 2020-04-14 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: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : 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 2020-04-14 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:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/XXXX. All negative items reverted from a dispute status to " Verified, '' however, I received no response stating how this information was verified. I then mailed a second verification letter, ( USPS shows it was signed for on XX/XX/XXXX, I called to ask why my accounts were not in a dispute status. The woman i spoke with on XX/XX/XXXX advised me that my letter had not been received ), asking them to prove to me how this was verified. The crazy thing is, I contacted all of the collectors listed on my report requesting them to Validate this erroneous information. I received No response from most of them. I received a letter from one company stating they " CAN NOT LOCATE '' the accounts listed on my credit report. I received another letter from a different collector listing SOMEONE ELSE 'S MEDICAL RECORDS! I have given well over 30 days to respond regarding my dispute verification with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to 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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I disputed a charge on XX/XX/2020, on XX/XX/2020 I contacted the company to request they stop the dispute process. As of XX/XX/XXXX I am still not being allowed to make payments as they claim the dispute process is still on-going. I have contacted the company many times and nobody is able to provide insight or help me make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX/XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX/XXXX  reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation