vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 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: ID Analytics, Inc.
State: FL

Complaint narrative:
You are reporting my credit score at XXXX. It was XXXX, 3 years ago. My credit score with XXXX is XXXX. It seems you should update your records before reporting a faulty credit score. I have worked so hard to get this up and you made me look terrible. Thanks a lot! 

XXXX XXXX was able to help me finance a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING 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 2020-09-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AND I AM REQUESTING THAT ITS REMOVED ON THE THREE REPORTING CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
BSI Financial mismanaged my 30 year fixed rate mortgage by mismanaging it as an interest only loan. They turned my home mortgage acccount into negative amortization as they began to withdraw from my homes equity. BSI stated they would correct the issue by XX/XX/2020, however, they did not. I wrote them via Qualified Written Request asking them to restore my account and my credit. I also requested they provide answer additional concerns as to how they planned to restore my escrow account. BSI has not properly restored my account. BSI Financial incorrectly deducted the funds not applied to my Principal Balance to the negative amortization balance of {$150000.00} which allowed them to keep the equity they errorneously took from my loans Principal Balance. When BSI financial assumed my home mortgage loan the Principal Balance was {$140000.00}, the {$23000.00} BSI failed to apply to the Principal Balance should have brought my Principal Balance to {$120000.00}. This needs to be corrected with an detailed explanation of their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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:
Experian Credit Reporting Organization is reporting a closed account for XXXX XXXX XXXX with a balance of {$19000.00} and a monthly payment of {$650.00}. That account was closed XX/XX/2019 with a 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 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Attempting to collect or scam money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
The company DRS has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX   XXXXIt says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6 times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for Chase IHG card. I was turned down. I called for reconsideration twice. The same person handled my call. I was turned down for nonsense reasons. I felt that I was being discriminated against by that agent. I applied for a similar card at XXXX and was instantly approved. Which proves to me that Chase was just discriminating! Please be aware that I have been a customer of Chase for 43 years. They have my 1st and 2nd mortgages, checking account and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to unfreeze my account for over a year and after sending more than enough information to verify who I am to XXXX, GA. They still have my account frozen. I do not want this company ever doing anything to my account again. The freeze that I put on there was only meant to be temporary. The information was sent certified priority mail. I am a XXXX vet and I do not have the extra income to keep mailing EQUIFAX redundantly about unfreezing my account. No one attempting to access someone elses account would be going through these measures. 
I do not understand how the company could allow data breaches but I the actual account owner can't manage or control my own credit report. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are monthly XXXX fees accessed by Chase for balance minimums. It is not clear this XXXX limit will be maintained in the interim. That said, reached out to Chase customer support about an online profile feature. 

Which hides all account information once logged onto the online Chase account. Chase agreed to investigate and offer feedback. No feedback was provided. It is preferred to continue the relationship with Chase. But, they ( Chase ) offered no status on the unexplained account profile changes. 

I believe it was XX/XX/2020. 

I do not plan on leaving Chase. But, items are mounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX  in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: NY

Complaint narrative:
Key bank froze my account for a purchase I made of XXXX XXXX Its been a week of me calling, messaging and emailing and I've gotten no help I've spoke to a supervisor who told me to just cross my fingers that I don't get disconnected agian. It takes 1 hour 45 min to get to a live person then they transferr me and within 40 min the line disconnects This has happened 15 different times. I don't know what to do. I want my money transferred out of key bank and put into my other bank. I don't see how this is legal to. Hold someone's money and offer no help. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-09-26 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I was in contact with bank that financed car and advised that I had been affected by corona virus by reduced hours from XX/XX/2020 to XX/XX/2020. We were required to exchange shifts with each other so that all were allowed to have at least some hours until logistics were figured out for working from home. We were only allowed 10 people per shift. Bank stated they would give me a two month extension due to issue. On XX/XX/2020 I received notification from credit bureaus that my account with Santander Consumer USA Inc had been paid in full due to natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The company XXXX has flagged all 3 of my my credit reports as of XXXX XXXX stating that I just opened and defaulted on account with XXXX XXXX..It says I opened the account on XX/XX/XXXX. This is an old account approx. 7 years ago that was paid off and the total was a lot less. I have contacted the company. any times and was told they couldnt or wouldnt correct the dates. I have disputed this approximately 5 or 6  times and they keep updating my date the account was opened every mth. They will only say the dates are correct and they will not change the errors. This has caused me great financial strain during this pandemic and lack of money. I have been unable to get a loan or new credit card because it says the defaulted account is recent.. Please help me. They also have another account for {$640.00} with a date of XX/XX/XXXX as the date the account was opened as it was just opened and I think it is the same account as above already listed just a different amount and date opened but both incorrect dates are for current dates and wrong ... that they reported to all 3 credit bureaus the account date opened and flagged as it was just opened and defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: NC

Complaint narrative:
I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not 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 2020-09-27 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: NC

Complaint narrative:
I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for XXXX, Equifax, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
report correct balances on credit reports should be all at {$1700.00}!

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 explanation
Consumer complaint received 2020-09-26 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I've tried reaching out to Comenity Bank Wayfair Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 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: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
It all started when I was in the market for a new bed and XXXX  gave me a credit limit increase so I could purchase it. Since then I have made every payment on time everytime, and all Ive gotten out of it was XXXX keeps lowering my limit to make it look like I went over my limit. I have yet to receive a letter explaining why, which by law the were supposed to give me. I demand to know what is going on!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) USAA SAVINGS BANK {$1200.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$570.00} XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: ERC

Complaint narrative:
to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX ) ENHANCED RECOVERY COL {$570.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: NC

Complaint narrative:
I've tried reaching out to XXXX XXXX  XXXX Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and Experian. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not 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 explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My Spouse lost his job due to COVID since hes in the XXXX  business. I have to pay everything on my own. He was also sick. Things really became a mess when 2 Billers deducted money from my BBVA Checking acct earlier than they were supposed to, putting my account in negative and then from there, it was a domino effect that caused many NSF/Returned Items fees. I have cancelled any Auto  EFT pmts I could, but there are some I can not, like with XXXX for example. I have been charged {$1000.00} or more in just fees alone from BBVA since XXXX. I contacted BBVA and asked them to please close my Checking account ASAP or at least freeze it so that no more Auto EFT payments will be deducted, which I can not control and asked if they can waive all the fees at least, due to the pandemic we are going through and so that they dont compound my already fragile financial state. And I of course will pay the amounts they authorized in my behalf in monthly installments. They said they couldnt do that but waived only {$76.00} in fees, which does not help much. Since then, I have been charged more fees from BBVA for deductions I was not aware of and had no control over. They are charging me {$38.00} each time, even for returned payments as low as {$3.00}! This is very unfair and deceptive. There are other Banks that are waiving any and all fees automatically. I need assistance ASAP, so I can move on with my life with less stress. This year has been very challenging for us all. Thank you. - XXXX XXXX

Company response to consumer: Closed with monetary relief