vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, JPMCB CARD SERVICES add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: AL

Complaint narrative:
In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. 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 this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
I just got an email telling me that I telling me that I opened up an account, which I didnt. The name of the companys are XXXX XX/XX/20 and the next company is XXXX XXXX on XX/XX/20 I never tried to open any accounts with those company.

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 2020-12-17 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: Zealandia Holding Company, Inc.
State: LA

Complaint narrative:
I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account XXXX XXXX XXXX that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and XXXX XXXX XXXX for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item XXXX XXXX XXXX be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX  have failed to do so as I requested.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: EMCC Holdings, LLC
State: LA

Complaint narrative:
I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account Equiant Financial Services that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and Equiant Financial Services for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item Equiant Financial Services be deleted per FCRA. 

In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX have failed to do so as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IQ Data International and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IQ Data International had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: AL

Complaint narrative:
In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. 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 this unverified account 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 2020-12-17 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: AL

Complaint narrative:
In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. 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 this unverified account 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 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I contacted fortiva because they are who I make payments through. A company named XXXX came to do work on my flooring they did NOT complete the work. I paid {$5000.00} to have them complete. They came in XXXX to do the work, I have been calling the company back to back to have someone come out and complete the work. I have been given the run around I spoke to a manger as well as corporate now nobody basically wants to do anything. This is now XXXX and my carpet is still not completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 Bank In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
XXXX : I am a victim of identity theft and I send the FTC report with other documents to Transunion to remove inquiries on my file TransUnion does not want to remove the hard inquiries unless they have a deletion letter from the creditor called all the creditors and they stated we can not send you a letter we do not know who you are, we do not have an account with us any please disputed directly with the credit agency no letter will be sent so when I go back to TransUnion they state they will not remove hard inquiry unless they have a letter of deletion I stated the creditors does not want to send a letter then all they say is, will notify the creditor of fraud activity and if they respond to us will take it off but if not it will remain on your file until they do two months have past and they state the same what can be done?

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 2020-12-17 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: DISCOVER BANK
State: TX

Complaint narrative:
I had an account with Discover that had been closed for many years but still had a balance that I was paying every month. Then in XX/XX/2020 I received a statement for a balance of XXXX and I paid it in full on XX/XX/XXXX. In XX/XX/2020 I checked my credit through XXXX, the bureau that my bank uses and it showed that my credit score had gone down because Discover had reported me as delinguent for not paying. I called Discover and spoke with a person who gave me her name as XXXX. She took the extra charges off and when I asked her if they would get with the credit bureau and take the false information off she checked with her supervisor and said they couldn't do that and I would have to call the credit bureau myself. I then called XXXX  and after quite a while I was connected to a person who said I would have to file a dispute with XXXX. None of this is my fault. I paid Discover in full the amount they said I owed on the statement and that should have been the end of it since the account had been closed for years. I have worked long and hard for my credit score and don't appreciate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a mortgage refinance with AmeriSave in XXXX and paid the application fee of {$500.00} on XX/XX/2020. For the next several months, I provided all of the information requested to AmeriSave, often providing the same information multiple times as they repeatedly asked for the same information. At the beginning of the process, I asked if the interest rate and points were locked and Ms. XXXX told me they could not " technically '' lock those rates at that time but that they would not increase prior to closing. Throughout the process, I repeatedly asked for a closing date and Ms. XXXX never responded. Finally, on XX/XX/2020, I complained about the length of time that the process had taken and demanded that they make a decision by XX/XX/2020 or close the application and refund our application fee. I received no response from Ms. XXXX or anyone at AmeriSave. On XX/XX/2020, I advised AmeriSave that our application should be considered withdrawn and asked for a refund of the application fee. That same day Ms. XXXX responded and claimed they were overworked and that the fee was not refundable and gave no date for closing. On XX/XX/XXXX, we responded that AmeriSave did not appear to be acting in good faith but that we would wait until XX/XX/2020 to close the loan but if they did not perform by that date, we demanded that they return our application fee. There was no response to that email. On XX/XX/2020, Ms. XXXX sent an email indicating AmeriSave had updated disclosures. The disclosures reflected an additional 2 points that were not part of the original proposal. This disclosure of new fees was buried in the new disclosure documents. It appears that Ms. XXXX and AmeriSave are engaging in a bait and switch process and likely never intended to make the loan to us that they had proposed in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Collection Resources. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2020 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Synovus Bank
State: OH

Complaint narrative:
This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: SC

Complaint narrative:
I have submitted Everything I am supposed to submit 3 times. Transition has taken care of everything but XXXX has not.

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 2020-12-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased two tickets on XXXX XXXX for USD XXXX each with my travel rewards card ending in XXXX. I could not take this flight and even though XXXX was supposed to refund me, they never did. I disputed the transaction however you found XXXX was right and I lost the dispute. 
Recently, and due to the COVID-19, changes have applied. I contacted XXXX on XX/XX/XXXX and was told I would now be able to get my money back for this unused reservation. They also told me the process would take approximately 8 business days. Ever since then I have contacted XXXX with the tracking refund number XXXX and they have told me the transaction has been completed, however I still dont get my USD XXXX back. I also contacted XXXX given I paid though them, but they said I should contact you to see if maybe there might be a mistake given that the travel rewards card ending in XXXX was canceled for fraud a few days ago. 
I was told by phone I could now start a dispute with the refunds support which I am ataching to this communication. On XX/XX/XXXX Bank of America responded they had nothing to do with refunds so they couldnt process my request.

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 monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened a JCPenny 's credit card on XX/XX/XXXX. I had 1 late payment in XXXX of XXXX. I paid the debt owed in XXXX of XXXX and that was the only time I was late in 13 years. Since then, I cut the card into pieces so I wouldn't use it again! Therefore, I should probably cancel the card! 

Thank you! 
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 non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: WI

Complaint narrative:
I contacted RSVP Loans to see why they were calling me 2 to three times a day everyday I wanted them to lower the payment they refused to work with me then continued with a lecture I hung up. They continued to call me everyday so I sent them a cease and desist order which they still are violating through e mails which I am saving they are sending them every other day. I've warned them of the violation they just don't get it .Its a shame a company wont work with the consumer.

Company response to consumer: Closed with explanation