vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: NJ

Complaint narrative:
In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, XXXX, and TransUnion, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.

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 2020-10-27 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: NJ

Complaint narrative:
In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, Equifax, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One denied my credit card application based on an inaccurate credit score they claim was obtained from XXXX. Their denial letter stated the score they obtained from XXXX  was a XXXX. 
I have a membership with XXXX  and as of XX/XX/XXXX my score was a XXXX, XXXX points higher than that listed on my denial letter! 
My scores with XXXX  was XXXX and XXXX  of XXXX. 
Capital One 's own XXXX  credit monitoring app states my current score of a XXXX based on XXXX  which matches exactly what my XXXX  membership reflects As of XXXX XXXX I had a credit card and an auto loan account open with Capital One with perfect payment history. I also have a current copy of my credit report that reflects this. 
On XX/XX/XXXX, I called the application department to inquire about the discrepancy in scoring and to see what model ( XXXX, XXXX ) Capital One used to obtain that score. The agent could not tell me what scoring model they used, nor could he put me in contact with a supervisor. He resubmitted and the second result also came back as a XXXX. 
I am certain my scores were misstated at the very least, and likely intentionally manipulated in a discriminatory manner in order to deny me access to credit by falsifying my score used to base their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX I received an update from XXXX  stating that my past due history increased for XXXX from 96 % on time to 100 % on time history. I reached out to XXXX and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

XXXX has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked XXXX to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The account in discussion is Amex Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately to bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NC

Complaint narrative:
The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the 9th i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We initiated a refinance back in XXXX of this year, XXXX, for our current mortgage with XXXX XXXX which closed in XXXX of XXXX. As appropriate, our loan broker submitted for subordination from our US Bank HELOC account that we opened in XXXX of XXXX. In addition to the order of closing dates of the two loans, ALL documentation ( including county recorded title documents ) reflect that our existing home mortgage with XXXX XXXX is in FIRST position, while the HELOC that was opened subsequent to our home loan is in SECOND position. Despite the complete and total clarity of documentation, US Bank refused to agree that they are in second position, which completely blocked our ability to refinance. We resubmitted several times, we called any number of US Bank reps, I sat at a local branch and pleaded with staff ( who FULLY agreed with me ) to help. The final answer we received after multiple attempts to clarify was that US Bank would not budge. We had provided them ALL the needed documents ... it was not a matter of record, it was a matter of complete and utter refusal of US Bank to look at, respond to, and act appropriately on the documents we provided. At this time, we are unable to refinance due to this egregious and indefensible error on US Bank 's part.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with Transunion and XXXX  with the most recent letters dated XX/XX/2020. I received the results from Transunion dated XX/XX/2020 stating the information was verified as accurate. I received the results from XXXX dated XX/XX/2020 stating the information was certified to XXXX  as accurate. See the attachments for copies of the disputes to both Transunion and XXXX. 

The disputes with both Transunion and XXXX  have not been resolved as the information has not been verified. I have not received any documentation of said verification received by Transunion or 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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My ex husbands credit card bought by midland and charged off was charged off as my debt. It wasnt my debt. Its counting against my credit score and report. Midland has sent letters and called my house my address. Im divorced since XX/XX/XXXX separated XX/XX/XXXX. This isnt my debt from XXXX XXXX  XXXX  its his

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. CITIZENS BANK XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX 'S XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX I did not make these inquires

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 2020-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, XX/XX/XXXX, of rampant identity theft and fraud?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX XXXX  back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account mjelliot.com to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with XXXX and Experian with the most recent letters dated XX/XX/2020. I received the results from XXXX dated XX/XX/2020 stating the information was verified as accurate. I received the results from Experian dated XX/XX/2020 stating the information was certified to Experian as accurate. See the attachments for copies of the disputes to both XXXX and Experian. 

The disputes with both XXXX and Experian have not been resolved as the information has not been verified. I have not received any documentation of said verification received by XXXX or 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 2020-10-27 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: MO

Complaint narrative:
Your company has violated the rules of the FCRA, my rights have been set aside. And if this is not corrected then I'll be forced to seek damages. I have repeatedly disputed this account " XXXX XXXX " but instead of removing it you keep reporting it. Inwhich you can not report accounts that was previously reported as an result of identity theft, nor can you re-insert an account inwhich was previously removed. And this account ( XXXX XXXX ) has been both previously removed in XXXX due to identity theft. However, it was re-inserted in XXXX. And this is Illegal on the behalf of you and your companies. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've been disputing with the bureaus, the inaccurate entries that Capital One has been reporting for a year now. They are not reporting accurately, and continue to do so. From my understanding of consumer rights, creditors must report accurately, or remove the account from the credit bureaus. 

According to my credit reports, Capital One is reporting different last day active, and different last day of payment across all bureaus, and all the dates are wrong according to my records. They are not reporting high limit on one of the bureaus, and no credit limit on a different bureau. In addition, they are reporting different comments across all bureaus. Additionally, they reporting different dates the account was opened, and they are reporting a past due amount on a charge off that was sold to a collection agency. 

After disputing with the bureaus, In accordance to article 623, I decided to send a dispute letter directly to Capital One to provide me proof of the inaccurate entries they claim to the bureaus as verified. As of today I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Ive paid my Amsher collection on the understanding that they would completely remove it from my report. It has been more than a month and it still shows and with the wrong amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I tried to dispute transactions that occurred in XXXX in XXXX when I looked at my statement and noticed they were there. They never filed the dispute and told me they did So on XX/XX/20 they officially put the claim in and requested I send the signed forms back for my provisional credit it up to 10 business days. I immediately did that and uploaded it Here it is XX/XX/20 and I havent heard a single thing from this bank about my dispute claim

Company response to consumer: Closed with monetary relief