vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: PA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
My loan was transferred from XXXX  XXXX  to Loancare Services effective XX/XX/20. 
I was setup on auto draft with XXXX  XXXX  but after transfer to loancare, there are no clear guidelines as to what is the process for me. I was waiting for the draft to happen but it did not occur till XX/XX/20 so i went ahead & made a one time payment of my monthly installment. Today on XX/XX/20 i see auto draft as well as the one time payment which i made on XX/XX/20. All these days i have been trying desperately to speak to a customer service rep but it is impossible to get help. Today i called XXXX XXXX for help & spoke with one of their customer service rep XXXX, even she could not get the representative from Loancare Services on the phone for me. I am frustrated with this kind of service, please help

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 2020-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is in violation of the CARES ACT, which prohibits attempts to collect defaulted student loans. The attached photo shows the date of the letter from Navient. 

On XX/XX/2020, I spoke to a Navient representative and asked that all contact and correspondence cease and desist, according to the law under the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I ordered a vanity table from a a furniture store on XX/XX/2020. 3 months later I have yet to receive the item. I have asked the store numerous times for a refund with no success. I made a dispute with American Express serve since this is the payment method I used. I told them my story and sent them a receipt of purchase. I waited a whole 45 days for them to tell me since it was a authorized transaction I wont be getting my money back. The fact that it was a authorized transaction was not in dispute. It was the fact that I never received a purchase for over {$1000.00}. This is my second dispute I put in with American Express serve. Within 4 days they sent me another generic email that I wont be getting my money back because it was authorized. Now I am on my third dispute with these people. I just want a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX a fraudulent charge was made on my US bank debit card. I noticed the charge and called card services. The money was temporarily deposited back. 
XXXX I received a letter from card member services that the charge would be allowed and would be taken out of my account on the XXXX. I called on XXXX and was told to wait for a return call. Received a return call on XXXX, was told they allowed it because they had my contact info, I tried to explain my information had been stolen through a fraudulent website, the call cut off. I tried calling back several times finally left a voicemail. XXXX I called again was told it was still pending and wait for a return call, did not receive a return call and the money was taken out of my account on XXXX. XXXX I called again to try to speak with someone else, was transferred to 3 different people. Result of that call was for me to wait for a return call from someone else. Im just getting the run around and no help at all.

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 2020-05-15 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have recent inquires that I do not know about about my Equifax report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: PA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XX/XX/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 2020-05-15 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: PA

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2020-05-15 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: MN

Complaint narrative:
I have recent inquires that I do not know about about my XXXX  report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
This all started last year when I opened an account with XXXX XXXX XXXX to pay for an extended warranty for 0 % APR ... Upon using the card 1 time for this payment, I put the card away and setup auto payment. I checked it every couple months but never more. Apparently in XXXX Elan Financial began sending us notifications that ELAN would be taking control of my XXXX account. The notification DID NOT come from XXXX it came from a financial institution I HAVE NEVER done business with. I threw the mail away accordingly. When the transfer was complete in XX/XX/XXXX/early XX/XX/XXXX, ELAN didnt bring over my autopay, never made any attempts to contact me other than mail that I threw away, and XXXX never said ANYTHING. The transfer CANCELLED my auto pay and I was never notified. 51 days later I received my first phone call from Elan notifying me that I was 51 days late on a XXXX, which I HAVE NEVER OPENED A XXXX, I only use XXXX  ... this is when I learned about the transfer and how they SWITCHED MY CARD without my permission. They canceled my auto pay and they ruined my credit.

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 2020-05-15 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: CA

Complaint narrative:
In XXXX, I was taking XXXX 's level classes using my GI benefits through the Department of Veterans Affairs. Due to multiple XXXX  while on XXXX XXXX, I was forced to withdraw from the courses. I was told by XXXX University that I would not be charged any fees due to my extenuating circumstances. Several months passed and I received a packet of undelivered letters from the VA, despite receiving other mail from them in the meantime. This packet said that I had a payment due that was now in collections. After many conversations between the VA and XXXX, a miscommunication was found between those two parties, and everything was supposed to be cleared as of XX/XX/XXXX. I checked my credit report in XX/XX/XXXX and found that there was nearly 18 months of collections on my account, ending in XX/XX/XXXX, for this miscommunication between the VA and XXXX. I wanted to have that removed from my credit report so I submitted a dispute through Experian in XX/XX/XXXX explaining my situation and asking that those months of collections be removed. At the end of XXXX, I received a response that all the months of collections had been removed as I had asked, but now it was showing the account was in collections for only the month of XX/XX/XXXX. This makes absolutely no sense as they previously had the collections ending in XX/XX/XXXX when the issue was resolved. I reached out via phone to address this new issue, and they were not able to assist and suggested I submit a new dispute. I did this in early XX/XX/XXXX. I recently received the results of this second dispute, and it appears that Experian removed the collections flag from XX/XX/XXXX, but now has it in collections for only XX/XX/XXXX. I am unsure what to do at this point as I have reached out via phone and electronic dispute and can not resolve this issue. It has dropped my credit score nearly 30 points in the past two months because of their errors.

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 2020-05-15 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: MN

Complaint narrative:
I have inquires on my credit report from : XXXX that i did not apply for. I would like this removed immediately.

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Account has been active since XX/XX/XXXX. 

On XX/XX/XXXX - Comenity Capital Bank Closed account due to policy changes. 

Spoke with XXXX - CCB Manager on XX/XX/XXXX, He stated company changed procedure to close accounts with no activity for 18 months - previously this limit was 31 months. XXXX also stated that accounts between 16 and 18 months were issued a letter of intent to close. 

CCB did not notify any account holders between 18 and 31 months of intent to close. 

This violates the 45 day requirement for any major changes to credit card terms. 

This action was classified as a negative event on personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This Bk which is clearly not mine is reporting on my credit file with Transunion. XXXX  and XXXX  have removed the error but Transunion still refuse to delete it.

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 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions, a debt collecting agency, repeatedly contacted me for the debt owed by a previous tenant of the apartment I currently rent. I was called several times, and each time there would be no response when I answered the phone. I was called XX/XX/XXXX ( answered ), XX/XX/XXXX ( answered ), XX/XX/XXXX ( missed ), and XX/XX/XXXX ( answered ). When I finally called them back ( XX/XX/XXXX ) after XXXX   the number, they indicated that they were attempting to reach the previous tenant, who is someone I have never met or had any association with. This seems to indicate that Bull City Financial Solutions contacted the management of my apartment complex and the management gave them my contact information since I live in the same apartment that the person with debt lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Express Recovery Services, Inc.
State: OR

Complaint narrative:
Express Recovery -XXXX : Express Recovery is collecting on a debt I do not owe. I never received a letter or call from them. As soon as I saw this on my credit report, I called an paid it. Since I never received any correspondence regarding this matter, it is in violation of my 30 day right to dispute opportunity. Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Law Offices of Robert J. Colclough, III
State: MA

Complaint narrative:
I rented a car from XXXX  XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at XXXX  by Allied Collection Services of California. I provided a copy of my invoice and credit card statement to XXXX  and to Allied Collection Services of California. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. Allied Collections keeps verifying that the charges are accurate to XXXX, where I am disputing the charges. 

I have only rented from XXXX  that one time. These are the only charges that I have incurred from 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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Tried to buy gas on XX/XX/20 with Chase bank debit card. Denied, got three different XXXX  reasons for the decline. Called main phone number - transferred to corporate ( XXXX ) XXXX, # XXXX. No reason given for problem with my card, will investigate? I told her I needed the card to work by XXXX on XX/XX/XXXX as I had to go to XXXX XXXX, a 45 minute drive and I needed to put gas in my car. No reply, no reason, no new card, no opening on existing car. 
This situation is past absurd, Chase doesn't know what Chase did? Not acceptable under any circumstances. I need this fixed ASAP. I have more than sufficient money in the account, therefore I need an immediate remedy. I HAVE to be able to get to MY MONEY. Things are bad enough with C19 without utter XXXX  added in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: VA

Complaint narrative:
XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. 

XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: GA

Complaint narrative:
I had an account put into collections by XXXX. ERC is the company that collections account was sold off to. To date they have sent only one letter in the mail. I responded to the letter within 1 week of  receiving the letter. They have been harassing my phone line, calling VOIP, using spoof numbers in my area and when I answer they hang up directly. My phone number is not a toy to be played with as I conduct business on this line. I've set up payment arrangements and have spoken to multiple people about removing my phone number from their registry and they still continue to call me. I've submitted forms online and nothing happens. I've called them back every single time they call me which is every day and tell them to remove me from the registry. All the way up until the day of this complaint and a payment plan HAS ALREADY BEEN ARRANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AZ

Complaint narrative:
XX/XX/20- I received a notification stating " Your Score Decreased ''. My score decreased by -28 points. 

XX/XX/20- I disputed the account because it isn't mine. 

XX/XX/20- Credit Score Decreased stating " Credit usage on your XXXX XXXX XXXX  XXXX XXXX account increased significantly to 96.40 %. '' XX/XX/20- I received a notification stating " Your Score and Credit Rating Decreased. '' My score decreased by -21 points. Nothing changed on my report and there was an open dispute because the account isn't mine. 

My score decreased -49 points within 9 days. 

I called numerous times trying to speak directly to representatives to try and rectify my issues, but I had poor experiences each time which resulted in me filing a complaint. 

XX/XX/20- I received a notification stating " XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX. This item was removed from your credit report. '' XX/XX/20- I received a notification stating " Credit Score Increase '' My score increased +10 points. 


I've tried numerous times to try and receive an explanation on why my credit score decreased so many points and when it was confirmed that it wasn't my account, and I haven't had any negative impacts to my credit, why my score did not increase more than +10 points?

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 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Late XXXX or early XX/XX/2020, I contacted Wells Fargo Dealership about COVID-19 assistance, if at all, offered by Wells Fargo Dealership. They stated a 90-day deferment but that I have to pay {$27.00} and change by due date each month. I did that starting in XXXX and XXXX. However, I recently received billing somewhat different than what was discussed via the phone. My regular monthly payment : {$350.00}, but the total due is {$270.00}, not the {$28.00} ( interest and late charges ). In addition, I was told that balance of payoff of the XXXX XXXX XXXX must be paid in full by XX/XX/2020! How is this helping me during the COVID-19?

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