vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unfortunately, for me I had a {$12.00} balance to which I was unaware of with XXXX. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least XXXX different times to get it to go through. I finally said just forget it I need to go XXXX pay for my purchase. She asks for XXXX more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from XXXX thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from XXXX and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe XXXX could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unfortunately, for me I had a {$12.00} balance to which I was unaware of with Kohls. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least 3 different times to get it to go through. I finally said just forget it I need to go Ill pay for my purchase. She asks for one more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from Kohls thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from Kohls and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe Kohls could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
XX/XX/2020 {$250.00}, {$50.00}, {$250.00} There are thee derogatory accounts listed from this agency at the same time and from the same originated company. Two of the charges appear to be exactly the same due to the same balance and company name. The collection agency has not listed what type of account this is or verified that the account does not belong to me. I have tried to reach this agency, however I have not received a response. This was posted to my XXXX  credit bureau record without any prior contact with me. I have no knowledge of the original creditor or the collection company. There is no publicly listed phone number or address for this company. I have filed a dispute against this agency and the three charges they have filled on my account. Also, If the charges were from the same original creditor why would there be three separately filed derogatory remarks if there is only one collection agency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: AR

Complaint narrative:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit 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 2020-05-22 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: AR

Complaint narrative:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit 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 2020-05-22 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: TX

Complaint narrative:
I did use XXXX to see my credit report from XXXX. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
My mortgage was placed into forbearance by my mortgage service agency, PHH Mortgage, without my authorization. I called the customer service line on XXXX XXXX to inquire about the forbearance options related to COVID-19. The representative asked if I wanted to have my mortgage put into  forbearance, and I explicitly told him that I did not want to proceed with that option at the time of the call ( and would call back if I did want to proceed ). I then received a letter a few days later indicating that the loan had in fact been placed in forbearance. I subsequently learned that this could have negative consequences for my ability to take out a new loan and/or for my credit score. I have contacted PHH to end the forbearance ( which is now complete ) and to restart my payments. I am very concerned about this increasing the interest rate if I were to purchase a new home in the coming year. I am not happy. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to JPMCB - CARD SERVICE, JPMCB - AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 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: AR

Complaint narrative:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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:
I disputed bankruptcy case number XXXX with XXXX report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my XXXX report, XXXX  and Experian. XXXX  and Experian responded the information was correct. I am attaching letters from XXXX with no record of me and from the Bankruptcy court as well again unable to verify that information. If they XXXX has no record of me and the bankruptcy court can not confirm how can they report me?

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 2020-05-22 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: LEXISNEXIS
State: TX

Complaint narrative:
I disputed bankruptcy case number XXXX with lexisnexis report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my LexisNexis report, XXXX  and XXXX. XXXX  and XXXX  responded the information was correct. I am attaching letters from LexisNexis with no record of me and from the Bankruptcy court as well again unable to verify that information. If they LexisNexis has no record of me and the bankruptcy court can not confirm how can they report me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I just spoke to Select Portfolio Servicing ( SPS ) 's customer service and they said they will NOT send my monthly statements, even though it is required by law. This is a Criminal Organization, This is the 7th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX Bank via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: U.S. BANCORP
State: NV

Complaint narrative:
Yesterday ( XXXX ) via U.S. Mail I sent the CFPB and 2 U.S. Bank locations a copy of what I have uploaded at the time that I am filing this online. The attachment hereto shows an image of a computer disc that contains information referenced in my letter to the CFPB dated XXXX. You are not receiving the cd 's contents via the attached upload but rather should receive it via U.S. Mail. In my attachment I included a copy of the addressed and postage-affixed envelopes that I mailed a copy of what is attached hereto in yesterday to the CFPB and 2 U.S. Bank locations. On this date ( XXXX ), the same XXXX that I referenced in my letter, called me. He stated that they are beyond their timeline with Visa and that there is nothing more that he can do on his end. Since U.S. Bank failed to process my dispute correctly and wasted a lot of time, they are responsible for reimbursing me the {$1000.00}. XXXX stated that I should write the Office of the President at XXXX. XXXX XXXX, XXXX, ND, XXXX and if the president believes the dispute team have made error ( s ), that office can correct it and resolve this matter. I will copy you on what I send to that office and will reference my filing this with the CFPB.

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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, Ive been banking with Bank Of America since early XXXX, and in XXXX of XXXX my account was closed by BOA due to a business decision. At the time i had over 1000 dollars in funds designated for rent, food, and etc., but still I contacted my bank and they let me know that i would have to wait for a cashiers check that would take 7-10 business days which i did. While i waited for the cashier check i also ordered me a free FACTA report from XXXX, the report came back clean of any fraudulent activity. So I proceeded to open an account with BOA again which was probably not smart on my behalf, they let me open the account and the branch that i went to gave me a temporary card while i wait on the actual card to come. I did not add any money into the accounts due to me being scared to touch them risking closure until XX/XX/XXXX, when i added XXXX $ into my checking account. i was able to purchase items and send money using my card, i even called BOA for help several times this week alone for help. So it was a surprise to me to find out that my account has been closed for a second time, again due to a business decision, i was speaking to a male and he also let me know that BOA notated on my account that i was not eligible for an account ( checking & savings ) after the first one initially closed. I was not notified this when i went into the branch nor was I notified this in the closure letter I received. They also let me know that it is pertaining to fraud, again i ordered a FACTA the first time this happened and it was clean of fraud so i asked if they can tell me about the fraud and was passed around in a two hour game of phone tag. I still have not received an answer to my question. I still have not received anything on my account or the whereabouts. My account was open for a month before i added any money and before they decide again to close my account due to a business decision.i have bills to pay I can not wait up-to ten days for my money.

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 2020-05-22 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:
I have filed a dispute with the three credit bureaus ( XXXX XXXX, XXXX, and Experian ) about unverified accounts or inquiries reported on my account. 

I have mailed and faxed the necessary information needed to identify my account their failure to positively verify, through the physical verification of the original signed consumer contract, these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, the listed above credit bureaus must remove the accounts and or inquiries.

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 2020-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did use XXXX to see my credit report from Experian. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.

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 2020-05-22 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: AR

Complaint narrative:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit 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 2020-05-22 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/2020 Redeemed XXXX points from my US Bank XXXX XXXX for {$800.00} to be deposited into my US Bank Checking Account Week of XXXX Called Customer Service line to inquire on why redemption hasn't deposited into my account yet, all under the same name. 

XX/XX/2020 Called again and was escalated to a manager, was explained nothing can be done while a separate team, where I can't contact, will look into it. 

Close to three weeks wait for a rewards redemption is unreasonable. At the same time, my annual fee just posted, at least that works. It feels like my redemption is being held hostage and I'm forced to pay the annual fee whether I want to continue the card or 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 non-monetary relief
Consumer complaint received 2020-05-22 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: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
This company did a credit inquire on my credit without my authorization more than twice on the same day this is impacted my credit score. 


Onemain XXXX, IN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation