vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: AL

Complaint narrative:
I have recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all XXXX bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In the past week I was charged over XXXX dollars in overdraft fees, mainly for transactions smaller than XXXX dollars. I communicated to TD Bank that I had reduced work hours due to COVID-19. I had an unauthorized payment withdrawn from my account on XXXX XXXX  that led to my balance unexpectedly being low.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 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: GA

Complaint narrative:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX  XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX   ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: GA

Complaint narrative:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX  XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX ( Experian  ) Incorrect Address : XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX   ( XXXX  ) Incorrect Name : XXXX XXXX ( XXXX   ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX XXXX Opened XX/XX/XXXX Bal. {$360.00} ( I was never 30 days late ) XXXX XXXX Opened XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following inquiries were not authorized by me : XXXX XXXX XXXX   XXXX  2 TIMES XXXX XXXX XXXX 2 TIMES XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I was contacted by AmeriSave Corp in response to my XXXX XXXX query on refinancing my existing mortgage on my primary residence. During my conversation with the lending officer, XXXX XXXX ( " XXXX '' ), was was told I was eligible for a 3.25 % loan with no points and that at closing I would be given " a check for {$2000.00} ''. After comparing their rates to that of other lenders, I decided to proceed with the mortgage application and paid a {$500.00} application fee. During the application process, I provided all requested documentation of my finances. The initial disclosure documents were provided to me on the AmeriSave website, but every time I tried to open/view them, I received an error message. I informed the lending officer via email on XX/XX/XXXX that I could not view the documents, but he never responded to my email ( s ).

When I was approved for the loan and contacted to schedule the loan closing, I was finally presented with the final " Closing Disclosure '' documents. It was then that I saw that I was being charged " points '' in the amount of {$750.00} in direct contrast to what I was told up front by the lending officer. I also had to pay {$110.00} at closing, rather then receive a {$2000.00} check that was promised. When I questioned this, I was told that it would be corrected by his manager. I few days before closing, the figures still hadn't been corrected and during conversations with the lending officer and his manager, I was told they " weren't going to just give me {$2000.00} '' and that the loan amount would be increased by this amount if that was what I wanted. The day before closing arrived and the figures still had not been adjusted by the manager. I could not trust that this would ever be corrected, so I had no choice but to refuse to proceed with the closing.

I feel that AmeriSave was not honest with me during the application process and that they should return my application fee of {$500.00} which they obtained with false promises and lies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 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: NC

Complaint narrative:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/20, I used my Chase Sapphire Preferred credit card to book 3 days of lodging over XXXX XXXX Weekend through a company called XXXX XXXX XXXX ( similar to XXXX  for families ). The card was charged {$910.00} for the initial deposit. My wife subsequently became pregnant with XXXX and her XXXX   forbid her to travel due to the XXXX being high risk. When we tried to cancel the trip at the end of XXXX, XXXX & XXXX said we needed to use our travel insurance through our credit card due to their emergency COVID-19 cancellation policy. I assumed I had travel insurance through my Chase card based on their advertising. When I contacted Chase Card Benefit Services they told me I needed submit a claim through eclaimsline.com. I submitted all the requested paperwork and eclaimsline told me I needed more documentation. When I submitted that they told me I needed even more. Before I could finish submitting the extra documentation I received an email that the claim was denied. It seems that others have had similar experiences with Chase and eclaimsline based on online posts. Chase does not make it clear that they outsource their travel insurance benefits and that eclaimsline is not a reputable company. These links below depict other examples of this fraudulent behavior on the part of Chase and eclaimsline. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
In early XXXX, XXXX XXXX placed accounts with Aargon Agency due to non-payment. I was able to verify and pay all of these accounts, except one in the amount of {$260.00}. A statement which showed the wrong account was sent to me, and in XX/XX/XXXX, I asked the company to produce a new statement so that I could verify the amount owed and make a payment. Since then I have received no communication from Aargon, and in calling them on XX/XX/XXXX, they are completely unable to provide a statement or explanation of the debt. Their online account function has no information about the amount of this debt or an accounting of where it came from. 
I have requested, twice now, to be mailed a statement and they have claimed they are unable to do that unless XXXX XXXX sends them a new statement. This has been in process since XXXX, so I have absolutely no trust that they are operating in good faith, and I do not believe they will ever send me an updated statement.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
About seven month ago XX/XX/2019. I purchase a sectional from XXXX XXXX XXXX in XXXX Florida, I did my financing through the company they used called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid my loan on time every month and made the decision to pay it off in full before the time allowed. I made my last payment in XXXX of 2019. I applied to my mortgage company to refinance my home, they informed me that I had an open account with XXXX XXXX for {$1900.00} reporting to Trans Union with a balance of {$420.00}. 
I contacted XXXX XXXX on the XXXX of XXXX of this year and spoke to three different supervisors by the names of XXXX, XXXX and XXXX all at different times in an effort to have this error corrected. Nothing has been done to date. I asked to speak to a manager and was told they did not have one for me to speak to they can only send a ticket to the manager to address the matter. I find it troubling that no manager is available at this company to address consumer complaint.

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 2020-06-09 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:
I'M A VICTIM OF IDENTITY THEFT

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've been trying to ascertain a copy of my credit report but I cant get pass the authentication process. I've called and spoke with someone over the phone and she and I went through the authentication process together, but none of these questions pertained to me. On XX/XX/XXXX I sent a certified letter to the company ( TransUnion ) stating and verifying my correct information. According to the US Postal Service the letter was delivered and signed for XX/XX/XXXX at XXXX XXXX. I called Transunion and spoke with someone on XX/XX/2020 at approximately XXXX XXXX  CST and was told they never received such a letter from the postal service. I'm being denied credit because of my Transunion report and I need to see why. 
I am attaching the letter that I sent to Transunion and also a photo copy of the recept I received from the postal service when it was delivered

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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2020 a letter from XXXX XXXX XXXX XXXX was mailed to me with a claim that I owed a total of {$2900.00} for a Citibank credit card that I have never owned. 

I contacted XXXX XXXX XXXX on Thursday, XX/XX/2020 to dispute the charge and was informed that I should contact Citibank directly because that is where the account originated. 

I contacted Citibank on Monday, XX/XX/XXXX to trace the alleged credit account and was informed that there was no record of me having an account. 

Please inform me of next steps! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Thank you for giving me the oportunity to solve this problem through this portal. I hope to get a fair solution. This situation is overwhelming for me now. 

I am writing to you today regarding the following account : Designated Receivable Solutions, account # XXXX, opened date reported : XX/XX/2015. 

This company is committing so many violatoins to my rights as a consumer : 1. Failing to investigate account : I sent validation request last month which wasnt responded to Designated Receivable Solutions.

2. Misreporting activity dates.

3. Inconsistently reporting accounts off bureaus- California Rosenthal Act violation.

4. Unfair business practices. 
5. Reporting incorrect opening date.

Please, I am asking you to send the attached documents to Receivable Solutions. 

I thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NC

Complaint narrative:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

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 2020-06-09 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: NC

Complaint narrative:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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