vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
On the consumer report, there is incorrect information and fraud accounts that were made without my consent. They were multiple inquiries that were without my knowledge.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recently switched banks from XXXX to Ally Mobile. I transfered the money remaining in my XXXX account and also deposited a paycheck from the company I work for which I will include the check stub for. A few weeks ago my girlfriend was in a car accident. Our car is in the shop and we need money for our insurance deductible. For that reason a close friend issued me a certified tellers check from his credit union ( XXXXXXXX XXXX XXXXXXXX XXXX ). The check was for {$3500.00} and was to pay our insurance deductible along with catch me up on credit payments. Ally bank immediately froze my account and has refused to cooperate with me since. First they told me it would be 2 days then 5 then 10. Now they won't tell me anything and say the investigation team will call me if they need anything. I have spoken with a total of 5 different people from the Ally fraud department and none of them has told me the same thing. They have been rude, accusing me of lying and say I have given different stories about where the check came from which is absolutely not true. I know it's not true because there is only one " story '' about where I got the check and that is the TRUTH. Now today ( XX/XX/XXXX ) they say that they called the credit union and the check was not confirmed. However after speaking with the credit union they say no one has said anything to them regarding the check. I was also told today that they are investigating my payroll check as well! I have had two payroll checks bounce in the past but was immediately given a good check. I told Ally if the payroll check bounce I need to know so that I can be issued another one. The woman on the phone said " maybe you should do that '' but didn't comment as to whether the check bounced or not. No one is working with me at ally to get this resolved at all and if my check did bounce I certainly don't want to deposit it into a frozen bank. I honestly have no idea what to do. They wouldn't even let me speak to a supervisor. I have no car and my credit payments are stacking up.

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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I paid off my balance on my Amex account, redeemed my reward points, and closed the account in that order. Today, XX/XX/XXXX, I received a suspicious email and text that my account needed attention for a past due balance. Following this, I logged in via the online portal ( ignoring the email ) and found that Amex had assessed a {$0.00} interest fee on XX/XX/XXXX, then placed two {$35.00} late fees on top of that.

For one, I'm didn't see how the account was still open, I'd requested it closed XX/XX/XXXX. For two, I don't see how after paying the full balance {$0.00} popped up, and how that became {$70.00} Chatting with Amex, their explanation is that they processed my rewards point redemption after closing the account rather than before, which triggered a {$35.00} account reinstatement charge, and then left the account open and able to collect additional late fees on that {$35.00} charge. Checking my sms and email communications logs, I had no emails or sms messages from them since I closed the account which would have indicated that the account was reopened and collecting fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: OH

Complaint narrative:
the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.

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 2021-09-07 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: OH

Complaint narrative:
the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I paid XXXX to XXXX  XXXX XXXX  for credit card and then the account was closed. They then said it wasn't paid and sent it to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Ink card which I haven't used for the year 2021, and I had the card put away for safe keeping. During the month of XXXX several unauthorized charges were made to my account without my permission or knowledge. I never received any notification from Chase informing me of these unusual charges, or to call and confirm if I in fact made the charges. The charges weren't noticed by my until XXXX, when I was paying my monthly bills and noticed the charges. I called Chase to report them immediately. The charges in dispute are as follows : - XX/XX/2021 for {$750.00} - XX/XX/2021 for {$1300.00} - XX/XX/2021 for {$15.00} - XX/XX/2021 for {$8000.00} - XX/XX/2021 for {$250.00} - XX/XX/2021 for {$4200.00} Chase provided me with the merchant email address, and a contact phone number. I've sent two emails to the merchant and the phone number provided goes directly to a voicemail, indicating if you leave a message they will email you back. There is no option to speak with a live person. I have also gone to the merchants website to see if there was an account under my name, and their website confirmed I have no account ( screenshots attached ). Since I am unable to get a response from the merchant, my only avenue to resolve this matter is by relying on Chase 's assistance to further dispute the charge. Chase received additional information from the merchant to support the charges, concluded their investigation and rebilled my account. 
Chase did not properly notify me, the dispute was updated, and because of that I was charged a late fee for the balance being rebilled. Additionally, I have attempted to contact Chase several times since this, i've provided additional information to support my claim, spoken to Chase and promised to be called back twice but never received the promised call back. I contacted Chase today and they disconnected the call and never called me back. 

I am worried that because Chase is not making any attempt to help me resolve the matter, and that I am unable to resolve the matter directly with the merchant that I will be responsible to paying these charges I did not make. All I am requesting is that a representative from Chase contact me, and actually try to help me resolve this matter before I am sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Transfer balance payment due XXXX. Deposited {$25.00} payment amount into my personal checking account at XXXX XXXX on XX/XX/27. Next step is to make the online payment to Bank of America for withdrawal from XXXX XXXX account on same day or sometimes within a few days thereafter but several days before due. Upon daily checking of XXXX account on XXXX, I saw that the {$25.00} payment I deposited on XX/XX/27 hadn't been withdrawn 6 days later and the payment was due XXXX. I called BOA to ask why it hadn't been withdrawn. Told by BOA they couldn't see any scheduled payment so I thought I had forgotten to make the online payment. I didn't want to be charged a late fee so the Phone Associate manually drew the {$25.00} payment from my XXXX  account that day to make the BOA payment on time. BOA website, payment noted as " Ext Imm Pymt Transfer '' on XXXX and states on XXXX  website payment withdrawn on XXXX. All was well until today, XXXX, when I checked my XXXX account and was overdrawn by {$25.00}. Evidently I did make the BOA payment on XX/XX/27 but it didn't post until XXXX which would make the payment late now. This time on BOA website says " XXXX BA ELECTRONIC PAYMENT - {$25.00} '' which I had already paid once on XXXX. I called BOA and Phone Associate saw the additional payment that was taken out. They reversed the XXXX {$25.00} payment, however, I was told it could take up to 10 business days for the {$25.00} to be returned to my XXXX  account - in the meantime I was still overdrawn and would be subject to a {$35.00} XXXX overdraft fee if I couldn't come up with {$25.00} from somewhere soon. I was livid! Needless to say I had to " rob XXXX to pay XXXX  '' as the saying goes until BOA refunds my account because of their mistake. What makes me so mad is BOA said " there is no record of a scheduled payment after XX/XX/27 ''. This has happened SEVERAL times before with BOA. I have no problems with any other credit cards having long posting payment issues - just with BOA. BOA needs to seriously REWORK their payment processing system now so this doesn't happen again.

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 2021-09-07 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
CFPB Complaint ID XXXX - It is now over 30 days since the company replied to my complaint stating that I would receive validation of the account and I have not received ANYHTING even after sending 4 letters requesting this validation over the span of 90 days. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY REPORTS AS THEY CAN NOT COMPLY WITH MY REQUESTS OF VALIDATION. 


I have sent at least 6 letters to both the Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and Receivables Performance Management ( RPM ) XXXX XXXX XXXX XXXXXXXX, WA XXXX addresses over the span of 90 days and haven't ANYTHING back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: RI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Honda financial account closet still showing open with charged fees after 120 days closet open again put 30 days late payment XXXX frca

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
Enhanced Recovery Co L at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA

Complaint narrative:
ECSI is a collection agency listed as a loan servicer and is in business with the XXXX  XXXX XXXX  at XXXX who have reported to all 3 credit reports of an outstanding " loan '' with fraudulent dates and amounts and classifications of a debt involving an NSF check from XXXX. Clearly the statute of limitations passed at least 8 years ago if it were true. The have falsified the date to XXXX and are still actively reporting this to all credit bureaus. I have found at least 2 different addresses for this collection agency disguised as a loan " servicer ''. I already filed a complaint against XXXX  but the CFPB could not serve them the complaint. This is why. I have also contacted an attorney who specializes in this sort of fraud, XXXX XXXX. What they have done is illegal and one perusal of the XXXX  shows you the scam they are pulling all across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I mistakenly submitted 2 payments to pay off a loan for XX/XX/XXXX. I checked my bank information on XXXX and saw my mistake. When I viewed the loan on XXXX my balance showed {$0.00}. It should have shown - {$400.00}. I called the loan servicer the same day. 
The first customer service representative said that my 2nd payment was applied to another loan and that the balance was {$0.00}. I told her that I did not have 2 loans with the same payoff amount and she hung up on me.

The 2nd representative said my 2nd payment was applied to a loan I paid off in 2010. The balance of that loan was also {$0.00} not - {$400.00}. I said where can I view on the website that shows that a credit is owed to me and she said there was no where on the site for me to view that information. She informed me that a credit was processing and that it typically takes 2 weeks. I requested written/email confirmation and was told I would have it by the end of the day. 
XXXX I call back because I did not receive the email. The 3rd representative said the email would take 3-5 business days. The refund processing time was 2weeks - 2months.

Again nowhere on the website am I able to confirm any information about where my 2nd payment was applied or that I am owed a refund. I have 6 other loans with balances but they applied my money to a loan without a balance. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have requested my free credit report from each of the three major agencies over the last year, roughly four months apart. In each case, they have refused to give me online access to my report, instead insisting that I send them a written request. Today ( XX/XX/2021 ) when I requested my report from XXXX, they did not even give me a link to the form I needed to request the report ; they simply routed me back to the beginning of the request sequence. Please look into this -- the agencies are clearly playing games with people here in an attempt to make it harder for them to access the information that the agencies are required to provide. Thank you. -- 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 non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****

Company response to consumer: Closed with explanation