vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I got a notification that my account with enhanced recovery was updated to settled in full and at a XXXX balance then on XX/XX/2020 I got another update that transunion added it back. They are telling me they never updated it to paid and because XXXX XXXX is a third party they dont have anything to do with what they update. Problem is XXXX XXXX gets the information from transunion and it wasnt just XXXX XXXX it was on myFICO as well as XXXX XXXX and XXXX XXXX and a few other apps that get information from transunion. How could all of these apps get information from the same source and transunion say they never received it. How can this happen with my XXXX XXXX account as well as XXXX. And get transunion is not taking responsibility for the errors that they are reporting after they already showed that I paid these companies. I am trying my best to pay off my debts and get my credit in order and they literally just made myFICO score drop 44 points because something is wrong with there system.

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX from Carvana online in XX/XX/XXXX. 
Few months later, I found out my wheels were staggered and could fall off the car, according to XXXX. It is a health hazard and i have a XXXXyear old i carry in the back seat. 
Carvana never disclossed to me that the wheels and drive train were changed. This is my life we are talking about, and that of my family. I am a XXXX man and i know if i was XXXX, I would be given full disclosure. 
Carvana and XXXX  ( warranty company ) would not entertain my explanation and consider my claim, even though there's a record of me reporting this same issue when i first found out on XX/XX/XXXX. 
They claim i needed a Diagnosis from when i first reported the issue, even though I've sent them and uploaded a file from my Service Advisor at XXXX, and the PDF clearly states my claim. This is not a new problem. This is something that started even before i got the car. Why can't it be simply corrected back to manufacturer 's specification?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Date : XXXX thru XXXX I have been a Chase customer for over 20 years. Back when it was Washington Mutual and even before then, when it was XXXX XXXX XXXX in the XXXX 's. I'm writing this complaint today to inform you that Chase has closed all my personal & XXXX accounts and also my daughter 's high school account WITHOUT ANY VALID REASON. I was never negative, received NSF fees and had daily transactions on all my accounts. They froze my accounts, had me on hold for 1-3 hours for 2-3 days and they simply said it was a " business decision. '' What  kind of professional answer is that??? I was livid and couldn't understand why. They continued holding on to my funds until they received a letter from the XXXX. A non existing letter because the XXXX doesn't provide personal letters. You might think that is the reason why they closed my account, right? Nope, that's just the reason why they held my funds. I wasn't able to operate any money transactions and the local branch was no help with all their limitations due to the pandemic. They made me wait outside while there were 3 available bankers available. I only know they were available because I can see there empty seats for 2 hours while I was in 100 degree weather. They basically did not want to help and could care less about their customer. A long term loyal one. Needless to say, after 5 hours on the phone with them ( including hold time ) & 6 hours at the branch, I was able to get my funds back. It was one of the most challenging tasks I've ever had to do. I will promise you this, I WILL NEVER BANK WITH CHASE AGAIN nor will I recommend this financial institution to any human being. They really went far & beyond to make sure I stay in the dark and never find out WHY they closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
received an offer in the mail for a {$500.00} credit after opening a XXXX checking account, code XXXX. I entered the info at santanderbank.com/XXXX as instructed, set up an appt to open the account, which was handled in person by XXXX XXXX. He knew of the offer, knew it was the only reason I was opening an account, and still signed me up for an account that was not eligible. He also failed to inform me of a minimum balance requirement until after the fact. At which time I deposited the necessary funds. he said to wait 120 days, then now, in XXXX he told me I wasn't eligible for the credit. I spoke to customer service and they said he ( XXXX ) would need to appeal on my behalf. Which he of course has not 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 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Disputed with creditor for all validation and verification written information on the debt. i have not received nor have they complied and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
The account was closed and charged off in XXXX. There is a charge on my credit report that suggests other wise. According to XXXX, I made no payments in XXXX ( because of the charge-off ) except for a payment in XXXX and a payment in XXXX. Then the report states, no payments until XXXX of XXXX. I am very confused as how a payment could have been made on an account which was closed several years earlier. Then a negative report in XXXX of XXXX. This is a fraudulent attempt to collect an expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 American Express convinced me to enter into a payment plan that I discovered the following morning eliminated my {$250000.00} Credit Limit. I have unsuccessfully tried to get them to unwind the loan for {$100000.00} and go back to our normal credit relations. They have told me there is nothing they can do, even though In told them I did not want the loan to effect my Credit Limit.  All communication was by phone. I would never knowingly agree to eliminating my credit line. 

Then on XX/XX/2020 they drafted {$5800.00} and {$30.00} from a business associates bank account that had previously sent them a check for my account. I never gave AMEX a bank account number to draft from. 

I have been told by AMEX they appreciate my 40 years of loyalty but won't do anything to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.

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 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the company accounts : CAPITAL ONE XXXX and CAPITAL ONE XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I withdrew {$200.00} from CashApp from a XXXX ATM and was charged {$5.00}. I would like to be reimbursed for the {$5.00} fee. On XX/XX/XXXX, at XXXX, I withdrew {$200.00} and was charged {$5.00} in ATM fees. I was charged {$2.00} from CashApp and {$3.00} from the ATM. I was charged {$5.00} for a total of {$200.00}. 

According to ATM Fees On Cash Card, cash cards work at any ATM, with just a {$2.00} fee charge from by Cash App. Most ATMs will charge an additional fee for using a card that belongs to a different bank. You can get all these fees reimbursed by receiving direct deposits to your Cash app. 

I used a XXXX ATM to make a {$200.00} withdraw. I was informed by a Cash App representative that as long as I use a XXXX ATM machine with the Money I wouldnt be charged any fees to withdraw funds. I also was informed that if I received direct deposit to my cash app I also wouldnt be charged any ATM fees. 



Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 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: SC

Complaint narrative:
i sent in some paperwork the other week to clear up some mis information with JPMCB and it seems there has yet to be action taken. i need the misinformation removed from my report for all fairness. they are requesting absurd amounts of money that i am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: PA

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-21 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: IN

Complaint narrative:
I paid two medical bills off, that I need to be deleted from my credit file. Experian removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM EXPERIAN ) AND XXXX ARE A BOTH A XXXX BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XXXX XXXX   {$0.00} XXXX MEDICAL DEBT RELIEF ACT XXXX {$0.00} XXXXMEDICAL DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of 2018, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of 2019, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the 2018 amendment noted above.

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 2020-07-21 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: IN

Complaint narrative:
I paid two medical bills off, that I need to be deleted from my credit file. XX/XX/XXXX removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM XX/XX/XXXX ) AND XXXX ARE A BOTH A ZERO BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XX/XX/XXXX{$0.00} XXXX MEDICAL DEBT RELIEF ACT MIRAMEDRG {$0.00} XXXX DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of XXXX, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to XXXX before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.

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 2020-07-21 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: Village Capital & Investment LLC
State: NJ

Complaint narrative:
I have a loan with Village Capital. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX. They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation