vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
I recently received an alert from Experian telling me that my score has gone down by almost 40 points. I was really concerned that something bad had shown up on my credit so I carefully reviewed all the account details ... unfortunately what I found was really disappointing ... Experian removed 3 of my positive student loans from my credit report for no reason. I did not dispute these accounts, there was nothing negative about the accounts ( no late payments etc. ) and I did not request any kind of review but Experian decided to just remove them from my report. These items happened to have a lot of credit history and this is the only thing that has changed on my credit file. I don't know why Experian removed these accounts but I want them put back on my credit report so that my score goes back up to what it was before they were removed. I am trying to get approved for an apartment but this change in my credit score is going to totally prevent me from being approved since my score has gone down so much.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I've contacted Chase over the last year and have not received an adequate resolution. Last year I clicked on a Chase promotional offer when I opened my account. It was for a {$200.00} offer which I didn't receive when I opened my account. There was no place to put a code when I sighed up because I used the button to automatically apply the promotion. Below is a similar website I went to, in XX/XX/2019, to sign up and get the {$200.00} offer. I was offered two options like the website below and clicked on the link that had written below " Coupon code applied when you click " Open an account '' ''. There was no place to put the code and the coupon code should have been applied. I did everything that was required to get the promotional {$200.00} offer. I signed up for direct deposit and did it within the appropriate time frame. I contacted Chase numerous time over the last year ( by phone and email ). They refuse to make good on their offer. When I called, I was told this has happened to other people and Chase does make good on the promotional offers. To date, they haven't. I would appreciate your assistance in this matter so that Chase Bank make good on the {$200.00} promotional offer. That is the proper way to do business. https : //account.chase.com/consumer/banking/FM97672? sitelin k=headline & jp_cmp=rb/Retail_Brand_BMM_Chk-Bnk_SEM_IFP_Desk Tab_Standard_NA/sea/p25218732600/chase+checking & opti_ca=67 4189475 & opti_ag=33556516039 & opti_ad=469864609346 & opti_key= aud-461562237081 : kwd-27929122426 & gclid=EAIaIQobChMI2ouO8JG P7QIVivOzCh1c8Q3qEAAYASAAEgJfwfD_BwE & gclsrc=aw.ds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I contacted the company called Ad Astra Recovery services in regards to something that was on my credit. I did not do this nor know anything about it. Well when I contacted them and let them know at the time it was reported on there as purchased my wallet was stolen at work that day. Well, they told me I needed to file identity theft with identitytheft.gov and send it to them through the site. I did this. They also said I could email it too. I emailed it on XX/XX/2020. After 2 months on XX/XX/2020 I checked my credit again, and it was STILL showing. I sent the information again and called them again on XX/XX/2020 only to be told they " don't receive it that way and the lady I first spoke with lied to me ''. I was highly upset. I said this is identity theft and wanted it removed. The company said I'm still responsible for it even though I've already taken the necessary steps to resolve the issue. Well, she informed me I had to RESEND it again but this time I was ONLY allowed to mail or fax it. so I took the information down and researched how to resolve this issue another way since they are useless in helping me out. 

Ad Astra Recovery services will continue to request you resolve this issue with them directly even if you had your identity taken and stolen and took the proper steps. I don't know who this company nor the original is but they are THE WORST company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Adler Wallach & Associates, Inc.
State: LA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/2020 I had an unapproved XXXX XXXX XXXX  charge. I called my bank, Santander, they credited back the charge, cancelled my debit card, I waited for replacement card, received it did not give it to XXXX and then in XXXX the exact same charge appeared in my account again. I spoke with my bank and they assured me repeatedly they would not cancel my card because I just went through this, that it was attached to my checking account and they blocked the biller from my checking account. So XXXX morning I try to order something on-line and my card got shut off again! I have not received a replacement debit card for about 3 weeks now. Talk about having my money held hostage, I can not order a single XXXX gift on line, I have to keep driving back and forth to a bank to cash a check every time I need cash for groceries, gas, etc. Huge inconvenience and no one seems to care. I have incurred fees that I would normally not have to pay bills in person with cash instead of using the apps, etc.

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 2020-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2020 reviewed my credit report for fraud. I saw a hard inquiry as stated below that is not mine. XXXX refuses to remove until I file a report. This is not mine. It has caused damaged to me by lowering my credit score 12 points. 


XX/XX/2020 CAPITAL ONE/BASS PRO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
Planet Home Lending LLC My complaint is that is company is dirty and in dereliction of duty. They are trash and they should not be in charge of the life investment a home is to Americans. Enough of these shady grifters.

This company is not able to process anything or keep any records coherent. They lack the coordination, the infrastructure and reputation to be a lender to anyone.

Their internal systems are a disaster, their company website has many security issues as well as link jackers. They have no unified number, and send no physical or digital correspondence. I had no clue who they were until I talked to three different originators. They are charging me for a month they said I did not owe because they have no paperwork with anything. 
They are a shoe-in for cyber attacks and their terrible systems will result in another data breach. This is negligent, and they refused to give me the regulatory agency they report to. They refused to give me any serviceable address for them as well.

The fact my VA loan can get handed to 3 different companies without my knowledge is bad. The fact Planet Home Lending is a lender is outrageous. Im filing a complaint with the VA and I am pushing for a 3rd party security audit for their systems.

They are on record accepting bribes and grifting money from Americans. They should not be allowed to lend to anyone. They are unorganized loan sharks. How are these people allowed to handle a VA Loan? This is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XXXX and XXXX of XX/XX/XXXX I filed a dispute with this credit bureau about the unverified account XXXXXX/XX/XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX and XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 3 unverified accounts as of today. 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 2020-12-15 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: FL

Complaint narrative:
Equifax has yet to disclose how they verified the following accounts. i have also asked for a legal and binding contract or agreement between myself and the creditors bearing my signature. they have yet to provide any of this to me. 

1. XXXX XXXX Account Number : XXXXXX/XX/XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number : XXXX 6. XX/XX/XXXXAccount Number : XXXX 7. XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX XX/XX/XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MN

Complaint narrative:
In XXXX ofXX/XX/XXXXI have filed a notice with XX/XX/XXXX, Equifax, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of XX/XX/XXXX I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: MN

Complaint narrative:
In XXXX of 2020, I have filed a notice with Experian,XX/XX/XXXX, and XX/XX/XXXX for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XXXX of 2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XXXX 2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item 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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: ID

Complaint narrative:
I put {$200.00} on a First Progress card. I made 2 purchases and paid them both. Two {$35.00} charges was on my bill and I disputed both charges. I was charged 3 late charges which I was not late on any bill. I was told I would get a refund for the disputed charges and the late fees. I have talked to this company a number of times to no avail. I dont know what else to do to get my money back. I put {$200.00} on this card, was charged an annual fee and Im trying to get the rest of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Braviant Holdings, LLC
State: MO

Complaint narrative:
My initial contact with XXXX XXXX them was in XXXX when they called my brother, sister and mother and told them I have a debt and someone will be coming to their homes to find me. Then received over ten calls from someone who would not identify themselves but stated that a representative will be at my door to serve me with papers and I will need tow forms of ID to identify myself. I finally got through to a different representative who told me I owed a debt to Balance Credit and it was about to be submitted to court. I told them was unaware of this debt and to send me proof of the debt. I was told there wasn't enough time and it was being sent to court today. I was told if I did not submit a payment today i would owe triple the amount on court. I explained that I was unaware of the debt and did not feel comfortable paying it without proof or any explanation. I was then hung up on. I called again and was told if i paid XXXX today, I could set up payment arrangements and it would not go to court. I felt as if I had no choice but to pay because I would not be able to afford a lawyer and I had no way to prove the debt was not mine. I set up payments for XXXX a month. I had been okay paying them until XXXX when I could not make the payment and called to try to make alternate payment arrangements. 
XXXX I spoke to two representatives, who both threatened to have me arrested, threatened to take me to court for debt that I have previously stated is not mine. I was told that regardless if the debt was mine I am responsible for it and I will be arrested or taken to court. The first representative stated, " Be sure I have two forms of ID when they get to your door '' and then hung up on me. The second representative stated, " the debt would double or triple in court, have a nice day. '' and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
On XX/XX/2020, SUNRISE CREDIT SERVICE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SUNRISE CREDIT SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America auto debits monthly for my payment towards my credit card.. they reported the payments late on my credit report. When this was brought to my attention ; I called and they reimbursed me late fees and interest/penalty charges. They have changed the reporting on every month with exception of XX/XX/2020.

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Student loan was put on my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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