vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
Regarding my XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXX Credit Card benefits include 2 free Club Pass annually as a result of {$95.00} annual fee. The 2 Passes from XXXX expired in XX/XX/XXXX. 

I've been in contacts with Chase Customer Service since last week in request of having the expired passed extended. My reason is making whole lot of sense. Under this global Covid-19 or Pandemic, I and my family don't feel safe to travel in the past 2 years, thus didn't get a chance to use the only benefit of free club pass by paying {$95.00}. 

Unfortunately, my simple and reasonable request was brutally denied by the Customer Service Specialists, XXXX XXXX ( from Missouri XXXX ) and XXXX XXXX XXXX from XXXX XXXX, TX ) yesterday over the phone. Both of them even failed to offer me any other forms of compensation and acted by unprofessionally and coldly. Instead, they both were trying to sell me a different type of credit card which I have no interest at all. XXXX even denied my request of having the contact details of filing complaints to Chase Headquarters by email or USPS mail as I told her it's inappropriate to getting this info over the phone. 

It's very unfortunate to have this kind of poor and cold services from the managerial lelvel at Chase. I'm not going to risk my health and safety to take the advantage of the Club Pass, especially the Pandemic is still dragging on as we speak. 

I demand to be refunded my XXXX card annual fee if the Passes can not be extended. 

Here 's my info : XXXX XXXX Last XXXX digits of my Card # XXXX Email : XXXX Phone : XXXX Passes used or expired within the past 24 months Pass # : XXXX Expired : XX/XX/XXXX Pass # : XXXX Expired : XX/XX/XXXX Please feel free to contact me if you have any questions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/22 I called to Home Depot to see what was going on with my account I was advised that on XX/XX/22 my account had a {$100.00} payment that was rejected due to that my bank account was frozen. I was unclear due to that the payment was made by my checking account and not my debit account. I was advised to go to the store and make a payment and it would post immediately. On XX/XX/22 I made the payment and it was not processed. I called back to Home Depot at that point I received a very rude rep and was told that my payment was being held until XX/XX/22 due to that I keep writing bad checks. I did not write a bad check my account was compromised and the bank closed it to protect me. I was not aware that it would have an issue with things already in place. I felt discriminated against and Home Depot treated me like a criminal. I have been calling over and over and I was then told that they would call the bank to make sure that my payments were legit due to that if they released the fund I would go spend it and defraud the company. I was appalled. I was basically being treated like a criminal. I have been trying to resolve with Home Depot and was told that my account was in the presidential dept handled by XXXX who states that she was in the CEO office of Citibank and that she just got my case Monday XX/XX/22 and she needed 15 days to assist and that all of my payments had been processed but per XXXX stated that I still had to wait 48 hrs and that she was not going to release it because it would be released in 48 hrs anyway. I am in process of remodeling my home and I am just beyond disappointment as to the racial unfair treatment that has been received. Home Depot Citibank is XXXX and treats people unfair by the name of the customer

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 2022-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your Agency is violating my rights under 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. this report is not accurate

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 2022-03-03 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: CA

Complaint narrative:
This is my 2nd complaint against Equifax Information Services. I contacted them 4 times prior to filing a complaint on XX/XX/22. Equifax is failing to comply with FCRA Sections 611, 616 & 617. Equifax is reporting an account in error & when I filed a complaint they passed the buck back to the data furnisher & closed the complaint in 5 days. They DID NOT INVESTIGATE OR PROVIDE ME WITH ANY VERIFIABLE PROOF OF THE INVESTIGATE. This is a strict violation of FCRA laws. I need them to be held accountable for failing to comply with FCRA laws. ...

Here is my previous dispute- Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The company, Midland Credit Management Inc. ( MCM ), purchased or was contracted to manage a store card debt, XXXX XXXX XXXX. I have email documentation between XX/XX/2021 and XX/XX/2021 of exchanges or updates from MCM regarding payments, and an innumerable amount of phone calls which I might be able to pull from a call log. There is a continuous written demand for a full and complete amount of {$950.00}. I've attached today 's most recent notice to document what is owed ( sent XXXX as extremely urgent ). 

MCM has been notified several times that I have been in the interview process since XX/XX/2021. I started a company before the pandemic which was severely impacted by COVID-19, like several people. Since, I've continued to the best of my abilities to move forward and obtain appropriate employment. I receive no unemployment. There is a paper trail beginning at least four years back showing consistent applications. I have used contract job monies to pay off people who provided temporary assistance for shelter, groceries and to continue contributing to rent. 

While there is a need to pay, consideration should be given to the borderline harassment that companies are engaging in to collect an amount owed. It also takes an exorbitant amount of time to talk with people on a regular basis and give them the same answer. 

I would encourage CFPB to track MCM and other debt management agencies, and the policies that govern them. A specific example, in one day a handful of companies wrote off debt causing me to not be able to obtain reasonable housing, borrow or move forward. This is ridiculous given where I'm at in my career and experience, and nonetheless, many of us are being impacted in the same way. Between COVID, natural disasters ( fires, weather ), many people of all economic statuses are being pushed into this situation, many of whom are underrepresented individuals who may not be awarded the same privilege that other receive.

I've requested assistance with a forensic audit given that I have also been a victim of cybercrime. If I am able to obtain a report, I am glad to submit it for review. I am also happy to provide a detailed overview of my finances dating as far back as necessary. Reports have consistently been made to the FBI cybercrime unit, and at least one case was investigated with the XXXX State Police cybercrime unit. 

At this time, there seems to be little governance, flexibility or rationale used for collection methods at the moment. 

Companies will get paid when the money exists, and I've told them this repeatedly. Consistent payments have been evidenced in my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you 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.

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
It has come to my attention, that Fair Collections and Outsourcing ( FCO ) stated on XX/XX/2021 that the above referenced account was assigned to their office. As a consumer, I have the right to ask that this debt collector show and provided to me proof that FCO has the legal right to collect. Fair Collections & Outsourcing is in violation of my rights as a federally protected consumer.

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
I went to XXXX XXXX jail on XX/XX/XXXX I got released on XX/XX/XXXX. On XX/XX/XXXX I call and order me a new card .I ask them for all my transactions from XX/XX/XXXX till XXXX till XX/XX/XXXX. There's a bunch of fraud activities on the card so they open up a fraud claim and send me all my statements and told me just put anything from XXXX of XXXX till XX/XX/XXXX is fraudulent activity. I get the paperwork fill it out and fax it back to them with them stating you will get provisional credit. I don't hear nothing from them or no letter stating what was going on 3 weeks had gone by XXXX called the XXXX number and the lady tolldme they closed out my case I asked her why she said she don't know it just states closed. I told her they don't notify me in any way for them to close this out. Then she stated they deemeded it not fraud I said how is it not fraud I'm glad I can go to the casino and gas station and XXXX XXXX from jail.i never got my provisional credit so now I'm making complaints on them.i need help and don't know what to do .my house was broken into and all my information was taken and used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-03 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:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I havent received any investigation results.

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance : $-

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 2022-03-03 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: GA

Complaint narrative:
On XX/XX/2022, Transunion received a report that there was an increase in my balance of {$3100.00} to {$3300.00} ( see attached ). This is not my account. I do not have any bankcard account with this balance. Furthermore, there was no creditor on this report. When I tried to file a dispute against this transaction on transunion.com, it refused to allow me to file a dispute ( see attached ). Therefore, I called and attempted to file a dispute with transunion representative, XXXX ( representative ID ) on XX/XX/2022. He stated he did not see no such transaction. He also refused to send me a credit report and process my dispute via the phone. He also refused to provide his representative ID. He was of no help whatsoever. 

Transunion has a very difficult process and prevents consumers from filing subsequent disputes online once they have submitted one dispute. They only allow you to submit and process one dispute at a time. Thus, I am unable to dispute this online.

Please see attached account. This account is not mine. I do not have any such account with this balance, thus I request this account to be deleted from my credit report. Also, I request that Transunion change their policy and allow a consumer to submit a second dispute while the first one is in process.

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 2022-03-03 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: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX LOAN # XXXX To Whom it May Concern, My name is XXXX XXXX. I had a mortgage loan with Huntington Bank until XXXX of XXXX. In During the Global Pandemic and National Emergency in XXXX of XXXX I had a Late payment on my mortgage referenced above. The late payment was due to XXXX as I was XXXX at a different address and did not receive mortgage statements. I thought we had this addressed and removed from my credit in XXXX however I recently discovered it again while in the process of applying for another mortgage. This is the only late mortgage payment and my credit is great other than this one item. My credit is solid. The Global Pandemic has affected us all in different ways. For me, circumstances created by the pandemic unfortunately resulted in a late payment.

I am writing to request Removal of this late payment from my credit history, to include all 3 major credit bureaus.

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: GA

Complaint narrative:
I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

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 2022-03-03 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: GA

Complaint narrative:
I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}

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 2022-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I addressed the credit bureaus concerning these accounts first item as of date reported XX/XX/XXXX the amount of the debt is {$460.00} open on XXXX XXXX balance stated to be {$610.00} according to the Fair Credit Reporting Act any unauthorized and unverified account must be removed immediately

Company response to consumer: Closed with explanation