vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: IL

Complaint narrative:
My Chapter XXXX bankruptcy was discharged thisXX/XX/2020. After reviewing my credit report I see that my existing mortgage with XXXX XXXX XXXX  is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time. 

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit. 

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.

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 2020-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This debt is being reported as a car repossessed in my credit report when what actually happened was that this car was totaled by Hurricane Irma in XX/XX/2017, and the amount that was still to be paid on the loan was paid by progressive insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Been a customer here for years many cards none will be used until and unless this is resolved properly.XXXX  keeps rebilling me XXXX now i never received these items as such there is nothing they can provide regarding card ending XXXX to dispute this. because items never received. I was told by citi 2 weeks ago since i know citi will just rebill me if i dont make my needs rights known that i would get affiadavit to sign that items were never received. never received it. I also have an email from my development that items are being stolen from here. My concern is that i have consumer protection rights and that i am not rebilled when XXXX  sends that it was delivered since i never received the items they were likely stolen. where is the affidavit to sign? i was also told 2 weeks ago not to worry i would not be responsible for it. I want to protect myself. NEVER RECEIVed so they cant disprove that. i will suspend use of all cards til this is handled right. Send affidavit or pull the call wherein i was told i would get it to sign

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 2020-09-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a payment on XX/XX/2020 to my Chase Freedom credit card in the amount of $ XXXX. I have a credit limit of $ XXXX. I tried to use my credit card for a company purchase yesterday and it was declined. After I made my XXXX payment Chase immediately reduced my credit limit buy over half. They reported incorrectly to the credit bureau in XXXX. With my payment it should have been reported to the credit bureau that I was only at 50 % utilization however they reported that I was fully utilizing the card and was maxed out. They did not give me 30 days notice of the decreased credit line. I did not receive any notice whatsoever. I was only made aware once my card was declined. If I was aware that my credit line was reduced I would not have made such a large payment. I called to try and resolve and the Chase said they did not need to let me know of the reduced line of credit. They also would not report correctly to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
After finally hearing from Wells Fargo, whom I contacted they reported trying to reach me once in the middle of a hurricane here in the XXXX and no phone or cell service for 10 days from XXXX to XX/XX/XXXX Ms XXXX XXXX. my loan specialist. I see they still have not updated you. She expected to have the issue resolved by today and I am still waiting on a response all I have received are forms, more forms multiple canned letters and multiple canned email responses to my requests, None of which are inline with my original agreement. I will not fill out any forms until I receive a formal response to my original complaint. I will not accept any other then the terms of the agreement already agreed to XX/XX/XXXX and XX/XX/XXXX with the Wells Fargo Rep. Ms. XXXX reports that she would listen to the call and form an opinion on the matter, I do not see how she could be or any wells fargo could be non bias in the interpretation of the conservation. The wells fargo rep " I would strongly recommend .... " and that is the option I took. In addition my escrow account has also not been reviewed as requested. I would like to apply the over XXXX in overages to my account and that would make my mortgage current.

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 2020-09-02 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: CA

Complaint narrative:
The following items are reporting inaccurately on my credit file : Incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX XXXX, XXXX The following items are a result of fraud : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian & XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; Bal : {$360.00} ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$6100.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$200.00} ( XXXX  ) XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX ( Experian ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$18000.00} ( Experian )

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 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I sent the wrong individual {$500.00} using my Venmo account. Her name was XXXX XXXX and there were several people with that name. I did pay the correct XXXX XXXX moments later. The username of the wrong XXXX XXXX is @ XXXX. The correct XXXX XXXX that I paid is @ XXXX. My account username is @ XXXX. I sent the wrong individual a refund request but they did not answer or refund me. Venmo, which is owned by PayPal, does not provide adequate customer support. They claim they will assist in recovering my money but have not done so. There is no way to contact them outside of email. 

If a bank inadvertently deposits money into my account or if I do the same, they provide recourse. Venmo and PayPal are banks and should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TN

Complaint narrative:
On XX/XX/2020 submitted dispute to Experian indicating that a collection account with XXXX XXXX was not accurate and it is my belief that an account was opened without my knowledge. Received result stating information is correct but there is no documentation regarding this. My request is that the collection account with e removed because it is not mine and there is not information with my signatures indicating it is.

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 2020-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XXXX XXXX issued by Synchrony bank has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact Synchrony bank the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently found out that Jefferson Capital System bought a debt from XXXX that I had no knowledge of. I am a victim of identity theft and they refuse to remove the information from my credit report or to fix the issue even after legal documents have been presented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 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 am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of 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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I called TD Bank and spoke to XXXX  ( call center badge ID number XXXX ) regarding the inaccurate reporting of my account to the CRA 's. XXXX indicated that htere was nothing she could do. I asked to escalate the matter to her supervisor, she indicated her supervisor did not take calls. I asked to escalate the issue to another supervisor and XXXX responded that she was the HIGHEST point of escalation and there was nothing further she could do. 

I attempted to correct the issue first through XXXX  ; however, every time I filed a dispute the balance came back as confirmed at {$2000.00}, when the balance is actually {$1000.00}, a difference of ~ {$1000.00}. 

On, XX/XX/XXXX, I attempted to resolve the issue again, to no avail. I called TD Bank and was disconnected ( or hung up on ) after being on hold for over 30 minutes. As a result, I did not get an opportunity to speak to the dispute department as a result. 

TD Bank 's inaccurate reporting, combined with XXXX 's disregard for the issue has impacted my ability to secure financing for a new home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX based out of XXXX XXXX California has contacted my employer at several instances providing my personal information and stating they will be serving me with " Legal papers '' after repeatedly being asked to stop.

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 2020-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX issued by XXXX XXXX has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & Transunion ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

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 2020-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ Equifax & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

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 2020-09-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted my Driver license, proof of address and social security both fax and through the mail services that was last year in XXXX and my birthday has yet to be get update though equifax. My birthday is XX/XX/XXXX. Equifax has it shown as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We bought a used XXXX XXXX XXXX and it was totaled on XX/XX/XXXX. We had purchased the gap insurance through Toyota through the car purchase. After the accident, my insurance paid $ 11k+ and I reached out to Toyota to have the remainder {$2500.00} paid off via gap insurance. Toyota had some kind of issue sending the info to their gap insurance division as the gap insurance division said they didnt have a claim from Toyota. We went back and forth for days, with both sides refusing to get on a call together to resolve this. This was XXXX. The last interaction we had with the gap insurance from Toyota was they would handle it for us. XX/XX/XXXX and we found it did not get covered by Toyota gap insurance and went through a collector which as of today 's call, said they haven't serviced that account since XX/XX/XXXX. They told us to contact Toyota Financial who is also on our credit report for a resolution, but we have been escalating and being transferred to a lost number of reps and supervisors and no one will resolve this for us. Toyota FinanciaXXXX confirmed no payment was ever made. Essentially, Toyota is selling gap insurance and I am a victim of a gap insurance cover up in which I paid for a service they wont render and is now impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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:
Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation