vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/20 XXXX XXXX Equifax XXXX ( & XX/XX/20 XXXX ) XXXX XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/20 : I tried logging into account at chase.com ; account locked " due to suspicious activity ''. 
XX/XX/20 : I spoke with individual in what sounds like outsourced call center. He wouldn't give me reason why account closed. He advised that balance will be mailed. 
XX/XX/20 : After requesting, I was transferred to the supervisor XXXX he advised that this incident will not reported to XXXX . He advised the account balance will be sent in the form of a cashier 's check within 8-10 business days. He advised that the only way to get a written transaction record of my account is to visit a local Chase branch in person. He advised that a letter was sent to my mailing address with additional information regarding the account closure ( as of XX/XX/20, I have received nothing in writing from Chase with any information about this incident ). 
XX/XX/20 : I went into local Chase bank- they would not disburse my funds upon my request. Banker called Loss Prevention while I was in the office and was on hold for an extended period of time. Rather than wait on the line with me present, she advised that she would give me a call back with an update ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : Called 1st time- on hold for 33 minutes then disconnected. Called 2nd time- representative was extremely rude, she transferred me to XXXX- no updates for me. He advised that a decision should be made by end of week regarding IF ( rather than when ) funds will be disbursed. I advised I would take the issue to small claims court if they did not give me my money. 
XX/XX/20 : XXXX advised that the account is still under investigation/under review. I requested a transfer to XXXX or other supervisor. I spoke with XXXX XXXX at XXXX Eastern time, who advised that the check has not been mailed and the issue is still pending ; she was unwilling or unable to give me any timeline for when Chase would send me my funds. I requested an escalation, and she advised that I would be receiving a call back within 48 hours ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : I went into local Chase bank to get print out of transaction history. As of XX/XX/20, a debit entitled " Debit DDA - Check Charge '' in the amount of the account balance is on account ; neither XXXX nor XXXX XXXX made any mention of this update in the previous call, leading me to believe that Chase has possibly misappropriated my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX   XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Experian and XXXX Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and 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 2020-07-17 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: CO

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CO

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I applied for an Associated Bank Balanced Checking account on XX/XX/2020 and signed up under a {$170.00} promotional offer. The requirements of the promotional offer were to make three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening. The promotion terms also stated that the bonus amount would be deposited into the account within 75 days of account opening after meeting the qualifications I successfully made three separately bill payments on XX/XX/2020. It has now been more than 75 days ( which would have been XX/XX/2020 ) and as of today 's date ( XX/XX/2020 ) I still have not received the {$170.00} promotional bonus amount in my checking account. 

I have utilized the online chat function and called the customer service phone number to inquire on the status of this with Associated Bank, and I have been given no concrete answer as to why my bonus has not been deposited into my account and the representatives I speak to keep telling me that they do not have any information for me. 

I find this unacceptable as a customer, considering that I signed up for the checking account under the promotion, I successfully fulfilled the requirements of the promotion, and now the bonus has still not been paid out to me in the time frame that was stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
Medical bill balance of {$370.00} from XXXX XXXX XXXX XXXX ( XXXX ) for service on XXXX was directly paid to XXXX by XXXX ( XXXX = XXXX Savings Plan ) on XX/XX/XXXX. Medical bill balance of {$22.00} from XXXX for service on XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. Medical bill balance of {$14.00} from XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. I have been furnishing documentation showing this to XXXX since XX/XX/XXXX. In spite of this, XXXX has sent these paid amounts to Credit Management Services ( CMS for collection. I have asked the Nebraska Secretary of State 's office ( NESOS ) for assistance by documenting these amounts were paid and should be immediately removed from collection and corrections made retroactively with all credit reporting bureaus. NESOS has done nothing other than pass correspondence from XXXX to me. Further, I provided proof of these payment on XX/XX/XXXX emailed directly from XXXX and gave CMS until Monday, XX/XX/XXXX to make the corrections showing these amounts paid, correct the information with all credit reporting bureaus and issue a letter of apology from both CMS and XXXX. I have yet to receive any response from CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
SAGE STREAM I applied for a credit card for Ann Taylor XXXX through Comenity bank on XX/XX/XXXX. 
I had a card with them for years, but canceled it in XX/XX/XXXX when XXXX and Ann Taylor cards merged. I did not receive credit for clothes I returned, so I canceled my  acct since they were having so many problems while they were merging cards. 

I applied for a new card on XX/XX/XXXX. They refused to give me one. I have EXCELLENT credit. I called XXXX and Commenity bank and asked why, and they said they could not tell me. They told me to call XXXX XXXX. XXXX XXXX said they could not tell me either, but would send me a letter. 

The letter of XX/XX/XXXX said, " We are unable to approve this application at this time because the information provided by the credit reporting agency has indicated that the applicant is deceased. '' I was concerned I had fraud, so I got credit reports from XXXX, XXXX and XXXX. Everything was correct and my XXXX is still very good. 

XXXX XXXX said that I should contact XXXX regarding my consumer file. XXXX said that they did not see a deceased statement on my file. 

XXXX XXXX refuses to help correct this information, so I am placing a security freeze on my account. 

Who is XXXX XXXX and why are they creating so many problems for people? 

Please take action and help consumers. 

Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.

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 2020-07-17 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: CA

Complaint narrative:
I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.

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 2020-07-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have paid my account in full with Midland 18 days ago and have yet to receive any updates, final payment letters, dismissal of my suit, and my credit reporting has not changed from delinquent status. When I call for updates, I am given the run around and sent from one " department '' to the next where each pretends to not have knowledge of the other 's status or activity on my account. Today I called to check on a full payment letter that was promised to me 8 days ago. Representative " XXXX XXXX '' ( an alias ) took a very unprofessional tone with me in response to my frustration with being lied to about the progress of my account closure. When told that the mail can take up to 30 days to arrive, I asked why it would take so long. He told me " if you want to work here, you can apply since you know how things work around here. '' I do not appreciate the way my account is being handled, considering I have paid in full as agreed upon 18 days ago. I should be done with Midland but they refuse to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 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: CA

Complaint narrative:
Someone used my identity to open several accounts and i've been trying to get the last account removed from my credit file but experian keeps saying its been verified. This has been very frustrating because i'm trying to refinance my house and get my life back on track. XXXX XXXX- XXXX opened XX/XX/2019 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 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a business banking account with Chase online. I gave Chase bank all of the information requested online and Chase opened the account. Weeks later, after I received the debit card for the business checking account Chase restricted the account. As of today Chase is claiming to close the account because of an error on their end. I gave all information requested, spoke to plenty of representatives trying to resolve the issue and Chase is still being difficult and I am confused as to why. The company also has funds going into the business checking account which is another issue. If the account is going to be closed how will I obtain the funds going into the account? This has been extremely difficult and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Doing a refinance expressed our need to have appraisal done to drop PMI and signed off on a full appraisal at {$530.00}. We were not notified until after appraisal was done that they ordered a drive by  and appraiser did not even get out of car. Expressed our concerns with the bank and were told to wait and see what came back. The report that came back did not properly represent our home. The bank told us to contact the appraiser. The appraiser told us that he was told not to even pull in our drive way, also said it was ver hard to pull comps on country homes and he would be happy to come out and do full appraisal as he does these all the time. We requested that from the bank they denied and said they would not budge. We now have to go with another company so we can get a full appraisal to accurately value our home. If we are paying for the appraisal why weren't we informed it wasnt going to be a full appraisal. we have to pay for another appraisal with the new lender since a drive by is not recommended by them. I would like a refund for the application fee as we would not have went with them if we knew that was how they were going to handle the appraisal. I was promised a call from management only to never receive one. I found out to that they waited to auto deduct XXXX XXXX mortgage payment and it is now showing as a late payment on my credit history. I called to Express my concern and was told they would look into it. this is unacceptable against my perfect payment record on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: CA

Complaint narrative:
I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to XXXX, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, XXXX continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.

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