vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. 

I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. 

Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIT BANK, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

Experian accounts - XXXX {$16000.00} XXXX XXXX XXXX {$7400.00} XXXX hard inquiries - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: SD

Complaint narrative:
Prepaid card was loaded with {$50.00} but once expired wouldn't renew making me out the money and the company XXXX the balance and keeping the funds. No different than theft and zero notice to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

XXXX accounts - XXXX  {$16000.00} XXXX XXXX XXXX {$7400.00} Transunion hard inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As Im currently in the midst of dealing with the fallout of being a victim of identity theft, my bank was unable to process some payments to my credit card, and as a result American Express closed my account without warning and without valid justification. My most recent payments went through and debited my bank account, and so I believe only one to three payments of a small value were reversed due to the aforementioned issues. Its quite shocking and sinister, after I paid my annual {$690.00} fee for the card itself, then they close it, and after my payments that debited too. I expected more from American Express, especially as a large shareholder in the corporation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had originally signed up for an American Express XXXX  card. Because of the pandemic, I downgraded my card to an American Express XXXX  card. I am charged annually for both cards. 

One of the reasons I obtain the American Express credit card is so that I will not be charged a foreign transaction fee. There are many credit card consultants touting the benefits of having no foreign transaction fee as an outstanding feature of American Express credit cards, including the Amex XXXX card I have. Here is a link to one such expert published on XX/XX/2021 : https : XXXX When I downgraded my card from XXXX  to XXXX, I was not informed that I would lose the XXXX  foreign transaction fee privilege. My understanding was that such privilege would continue. However, four days ago, I found out that I was charged {$730.00} by American Express in foreign transaction fees. 

Thus, I was misled by the American Express company to believe that I had retained the XXXX foreign transaction fee benefit by downgrading XXXX to XXXX. Had I known I was going to be charged 2.7 % for the transaction, I could've used my XXXX XXXX card, which had XXXX foreign transaction fees. The practice of the American Express Company is deceptive and their agents lured me to keep their " travel card '' during the pandemic ( when travel is not possible ) so they can hit me with exorbitant service fees at the right moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Scheer, Green & Burke L.P.A.
State: TN

Complaint narrative:
Scheer Green and Burke sent a letter and my mom, being nosy, opened the letter. She called them and they discussed the situation with her and even took money from her. This debt was paid, in full, as of XX/XX/XXXX. I have provided this information to another collection agency in XX/XX/XXXX. They must have sold the debt, but XXXX XXXX was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Mass email stating I have uncollected debt to ACE cash in the amount of {$750.00}. If I dont pay immediately they will file legal action. I can settle by paying {$300.00} immediately. Ive never had a loan with this company or its subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recieved an updated credit report from Equifax today XX/XX/XXXX as the result of a dispute I submitted recently. 

The report # XXXX indicated that the fradulent inquiries were removed : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX On the very copy of the report that they sent to me it shows currently still on the report. 

I have included copies of the documents they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
There is negative information reporting on my credit report for collections that I have no knowledge of. I have not received written notification therefore Ive been denied my right to the timeframe allowed to request validity of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LoanCare, LLC
State: GA

Complaint narrative:
LOANCARE LCC morgage lender. lied and put missed payments for about 10 months when loan was in forbearance due to covid 19. loan was paid in full in XXXX XXXX they wrote comments on my report since i filed a complaint a few months ago : they wrote no more than 2 missed payments .... but they did not fix my credit report. it still has red x 's saying missed payments. i need them to write letters to all 3 credit bureas stating that they were not late payments but showing loan was in forbearance. I can't get a loan b/c they messed up my credit. they will not talk to me on the phone i have been on hold for hours and hours within the past 6 mo. My payments were not late. they need to fix my credit report. 

we also made some payments during forbearance about {$3200.00} that was not deducted from the loan and we never saw that money in the payout.

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 2021-09-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX {$2700.00} I first submitted my complaint to Experian on XX/XX/XXXX asking them to verify this unknown account. 

Experian responded with a computer-generated letter informing me that the account was verified and that I should contact the creditor if I had additional questions. 

I contacted the original creditor on XX/XX/XXXX, asking them to validate the debt, to which they DID NOT. 

I wrote Experian again on XX/XX/XXXX, informing them the creditor did not validate the debt and according to the laws the account, must be deleted. 

I received an email notification today that the account is verified with them. How is that possible if they cant validate with me the consumer.

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 2021-09-15 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: OneMain Finance Corporation
State: NY

Complaint narrative:
One Main Financial for the second time has promised to not run my credit report for a loan that I applied for. It says clearly on the your credit report will not be affected. Now it shows a hard inquiry on my report and I would like it taken off immediately. This is the second time this has happened and I would like credit for both times. This is complete fraud and I have a snapshot to prove what I've stated. Please contact me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-09-15 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XXXX XX/XX/2021, I sent USDXXXX to my daughter 's newly opened Chase account. 

As previously sent to my son to his XXXX XXXX XXXX account, I have paid my share of wire transfer fee. 

However, she received a gross amount of USDXXXX, which is USDXXXX less. On top of that, she was charged USDXXXX wire transfer fee which we expect. My son will always receive the full amount before being charged USDXXXX wire transfer fee. 

I tweeted Chase bank on XXXX XX/XX/2021, the person in charged told me that there could be an intermediary bank that is why there is extra charge of USDXXXX. 

I checked with my bank and obtained the swift report XXXX and there is no intermediary bank. So rightfully she should be receiving the gross amount of USDXXXX 

I tweeted Chase bank again on XXXX XXXX, and the person ask that my daughter reach out to Chase and they will help. After almost a week, they was no reply from Chase, so she called Chase bank call center and only to be told that the USDXXXX was the fee charged by my bank, which was absurd. 

Instead of USDXXXX wire transfer fee which is the published rate, Chase is indirectly charging USDXXXX for wire transfer!! We have never had such problem with XXXX  XXXX XXXX. We find Chase very unethical blaming on intermediary bank and sender 's bank when it is clearly stated on the swift report that the charges are shared. 

Please help, thank you. 

Best regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Tried to contact this company Credit Collection Services multiple times and asking for debt validation and have yet to receive any response

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: CA

Complaint narrative:
This debt does not belong to me. The open date of this debt is XXXX XXXX XXXX  and I was born in XXXX. This debt was also removed from my XXXX credit report already so I need it removed from XXXX and XXXX as well! I have been a victim of identity theft and my information was used without my knowledge for monetary gain! 

NY STATE HIGHER EDUCATION Date opened : XX/XX/XXXX Amount : XXXX Reported to : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been disputing FRAUDULENT CREDIT INQUIRIES ON MY XXXX CREDIT REPORT XXXX has been telling me that I have to wait for the furnishers of the credit inquiries for to respond back to the request they sent. I have submitted a NOTARIZED POLICE DEPARTMENT, NOTARIZED FEDERAL TRADE COMISSION IDENTITY THEFT AFFADAVIT, NOTARIZED COPY OF SSN AND ID. 

I have contacted the furnishers to notify that I am a victim of Identity Theft but XXXX is still listing the FRAUDULENT CREDIT INQUIRIES until they said the company sends a letter confirming deletion yet they have not! THIS IS UNETHICAL AND UNFAIR THAT I HAVE TO WAIT AS A VICTIM FOR THE FURNISHERS TO DECIDE TO RESPOND BACK FOR DELETION! 

FRAUDULENT INQUIRIES 1. XXXX XX/XX/2021 2. XXXX XXXXXXXX XXXX XXXX XX/XX/2021 3. TD Auto Finance XX/XX/2021 4. XXXX XXXXl XX/XX/2021 5. XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Multiple disputes submitted for this fraudulent collection on Experian. It still has not been deleted. 

Experian - XXXX XXXX {$300.00}

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 2021-09-15 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I requested PayPal to dispute a charged that I have not received for amount {$590.00} im asking PayPal Mastercard to credit amount back for {$590.00} which i have not received card # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I mailed a certified letter to Trans Union requesting proof of verification. In this letter I clearly stated this is not a dispute simply questioning how Trans Union verified this particular account. 

Trans Union responded with a letter my investigation results. The letter states investigation results verified as accurate the disputed item was verified as accurate. 

I would like Trans Union to provide proof of how they verified this particular account and provide me with contact information on who they received the proof from. If this account is unverifiable I would like trans union to remove this account and send me an updated copy of my credit report. 

Attached is a copy of the certified mail receipt also the letter that was mailed directly to Trans Union also train unions investigation results letter.

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 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I havent paid mortgage since beginning of COVID-19. I just want to make sure there is some help for homeowners because it will be a yr almost and Im still behind trying to stay afloat Im on permanent XXXX and all the extra stuff I been buying trying not to caught it put me behind plus now my car is broke Im tryptophan get it fixed I have a lot of meds and doctors appointments. I also saw were there was help for your animals well I have 10 cats that I take to vet and feed to keep me company I had before this pandemic hit they do not go outside but do have to here meds one had a XXXX  one can not XXXX  and the others I raised from tiny kittens because mothers left them my name is XXXX XXXX my address is XXXX XXXX  XXXX TN XXXX, USA and my number is ( XXXX ) XXXX please give me a call about my home my cats my utilities my car and living situation! I stay by myself and I worked from age 14 until young man ran light flipped my car three times XXXX XXXX XXXX and etc. I been here since 1998 in this house grew to children up here and dont want to leave thanks and have a Blessed day. And Im trying to do this on a once a month XXXX check XXXX

Company response to consumer: Closed with explanation