vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On or around XX/XX/2020 I submitted an online application for a XXXX XXXX  credit card underwritten by Wells Fargo Bank. Part of the process they require authentication of ID by a third party application. This application seldom works correctly. Finally, after many attempts, it did work. 

I filled out the application completely and accurately and submitted it online. After about a minute of " processing '', I was given a telephone number to call. I called and the Wells Fargo employee stated that they can see the application and the full details, but yet they did not receive the application. There is nothing they can do, she stated. 

I used a different computer and again applied. Again, their third-party ID verification system didn't work correctly until the fourth attempt. Finally they were able to verify my ID and I complete and submitted my application. The same thing happened again. I was instructed to call. I called and the same story about how they see my application and see the data I filled out, but they didn't receive the application. 

She said my only alternative was to go to a XXXX XXXX store. 

I attempted to contact Wells Fargo via XXXX, but they seldom respond coherently. 

This is not the first time I have been involved with Wells Fargo XXXX incompetence. I believe they are simply refusing to accept applications for some illegal motive or they are simply incompetent to set up their application system and / or handle problems when they arise.

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 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This complaint is relative to the existing pandemic, an obvious loss of income, and Ally Financial forcing us into an agreement to make THREE full payments of {$460.00} in less than 60 days. If scheduled payments fail, repossession is the ultimate outcome. It's quite obvious that the poorer people of color and seniors are targets. Is the government doing anything to assist, maybe mandating ( lower ) payment arrangements or some form of workable installments? It's already been ruled by the federal government in previous court cases that XXXX Americans, XXXX, etc, are automatically given auto loan payments that are at minimum {$250.00} more than that of XXXX. Who's monitoring that? Are we to sacrifice food, meds, housing and the like to keep our vehicle? One might say turn over the vehicle if we can't afford the payments, but where is the human factor based on a pandemic we too never asked for? Something needs to be done and sooner than later. The added stress is unspeakable.

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 2020-08-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. I submitted a complaint numerous times stating that this info was not correct and not mines and need to be deleted for all accounts listed as DEPT OF ED/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 2020-08-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
it has now been over 60 days since I sent letters out to the credit bureau with absolutely no response which I know is a violation of the FCRA even with the extended time period you have given them. PLEASE help in finally resolving this situation.

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 2020-08-07 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: VA

Complaint narrative:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX  XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.

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 2020-08-07 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: VA

Complaint narrative:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of  my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my  credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX of this year ( XXXX ), my income was temporarily affected by the COVID-19 pandemic. I immediately contacted ( by phone ) all of my creditors, including XXXX XXXX. XXXX XXXX like the others gave me an additional period of time to recovery ( 60 days ), and ensured me that no negative references would be reported to the credit bureaus. I missed two payments in XXXX and XXXX ( as I did with all my other creditors ) and they reported me ( none of my other creditors reported me late, with the exception of XXXX XXXX ) and my score dropped 100 points. I immediately wrote them to protest their action, but to no effect. They deny their promise to me that was made and refuse to delete the negative reference on my credit report. 

I have not gone over 30 days on a payment to a creditor since XXXX. I have three mortgages and seven credit cards and take personal credit rating very seriously. Specifically with XXXX XXXX, i have had the account since XXXX, have a credit limit f {$20000.00} and and never gone over 30 days. 

When the COVID-19 pandemic first began and I contacted them, I was assured over the phone by one of their representatives that this would not happen and it did. 
I respectfully ask for your assistance to make an inquiry to XXXX XXXX on my behalf.

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 2020-08-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue

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 2020-08-07 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The Account AD Astra was paid in full as of XX/XX/2020 and at this time AD ASTRA agreed to remove item from XXXX XXXX report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from AD ASTRA and they indeed sent a request for this item to be removed in XX/XX/2020 to XXXX which still refuses to remove the item. AD ASTRA has instructed me that they would sent another report to XXXX as of XX/XX/2020 for this item to be removed. I want to make sure that XXXX  in fact does comply with this request and delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to XXXX numerous of times explaining that several accounts that they are reporting is FRAUD. My last request from XX/XX/2020 has been well over 90 days without any response. I keep providing documentation that they are requesting but they are not updating the information. I am asking AGAIN that the accounts for XXXX XXXX {$1700.00} & {$1600.00}, XXXX XXXX XXXX XXXX {$710.00} ( which I never received a response back & still reporting this fraud account ), XXXX {$850.00} , XXXX ( which I never received a response back & still reporting this fraud account ), XXXX XXXX {$810.00} ( which I never received a response back & still reporting this fraud account ), XXXX XXXX ( which I never received a response back & still reporting this fraud account ) & XXXX XXXX XXXX {$140.00}, XXXX. I have never received anything from these companies & these accounts should not be listed on my credit report. AGAIN, I am asking that this information be blocked & deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has now been 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue

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 2020-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given.

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 2020-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has now been over 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently applied for and was approved ( XX/XX/2020 XXXX for an Amazon XXXX Rewards Visa Signature Card ( black color ) issued by JP Morgan Chase Bank. The card was sent in the mail to me, I activated it and created an online account with Chase to manage the card. The physical card is a BLACK color and the online account also showed a visual representation of the card as a BLACK. 

About 10 days later or thereabout, I received an email saying congratulations on being approved for a Amazon Rewards Visa Signature Card ( blue color ). It had the same exact 16-digit card number as the black card in my possession. I thought this was strange. I logged into my online account with Chase and I see that the visual representation of the card was changed from BLACK and is now BLUE. This meant my card was changed from an Amazon XXXX card ( with 5 % cashback rewards ) and relegated or reduced down to a regular Amazon card ( with 3 % cashback rewards ). Thi is NOT what I approved and got approved for. 

I contacted Chase Bank a NUMBER of times and I'm getting double-talk responses back that didn't address the issue of why my account card status was changed. The Chase Bank representatives suggested that maybe my Amazon account was not a XXXX account which it is and has been for 2+ years ) and therefore my card was reduced in status. 

I still have no resolution almost 2 months later now which has forced me to file this complaint. I request and want my account brought back up to Amazon XXXX Rewards Visa Signature Card status ( with 5 % cashback rewards ) because the rewards percentage difference I am being cheated out of is substantial. 

I have attached 3 image files to this complaint showing : ( 1 ) The Amazon XXXX Rewards Visa Signature Card ( black ) in my posession ( 2 ) A screenshot of my valid Amazon XXXX Membership ( 3 ) Corresponce from Chase Card Services that did NOT help resolve my situation Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Account XXXX  XXXX was paid in full as of XX/XX/2020 and at this time XXXX  XXXX agreed to remove item from Experian 's report as they have with the other bureau 's. I spoke with a representative on XX/XX/2020 from XXXX  XXXX and they indeed sent a request for this item to be removed in XX/XX/2020 to Experian which still refuses to remove the item. XXXX  XXXX has instructed me that they would sent another report to Experian as of XX/XX/2020 for this item to be removed. I want to make sure that Experian in fact does comply with this request and delete this item.

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 2020-08-07 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: TX

Complaint narrative:
Information on bankruptcy that is being reported by Experian has information in it that is not correct. The account information including the court and judge name does not appear on this report as well as key information regarding the correct filing and procedures of this report. The address of the court reporting this bankruptcy is missing and is inaccurate and can not be properly verified as valid in XXXX county. The actual filing shows a date in XXXX but also shows a date in XXXX. Both dates can not both be accurate but only one date so this information is also incorrect information that is reporting under my name and has done irreparable damage to my report.

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 2020-08-07 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
have noticed that AMEX have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both AMEX and XXXX   to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation