vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Greetings, in order to write to you I had to choose this option, but really what happens is that I have a financial bankruptcy and I want 2018 more or less, I know that a bankruptcy takes XXXX years to go off the credit, I I wonder if there is any way that bankruptcy can be removed from my credit history? Or alone It remains to wait for those XXXX years to go away? Thanks a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2021-12-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did not have this credit card JPMCB CARD Potentially Negative Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated Payment History JPMCB CARD XXXX Credit Card Individual XX/XX/XXXX Open. {$110.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$17000.00} Highest Balance {$9300.00} Terms NA Balance Histories Scheduled Date Balance Payment XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$0.00} XX/XX/XXXX {$110.00} {$34.00} XX/XX/XXXX {$110.00} {$40.00} XX/XX/XXXX {$110.00} {$40.00} Paid {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX {$0.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime closed my account XXXX my check for XXXX was accepted XXXX my account was closed with XXXX in the account- I called, emailed the company only to get lied to about the money in the account I have called and email this company multiple times to get my money back and they lied to me saying they was going to give it back within two weeks after two weeks was up I emailed them agian and they told me they was no longer going to give my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter to Transunion back in XXXX regarding this inquiry that I told them I dont recognize. I also filed a ftc report and they still ignored it, now this is hurting my chances of purchasing a home and causing me problems. All I ask is for this inquiry be deleted from my report. Not deleting this item is a violation of my rights and TransUnion are not following FCRA laws they are ignoring them. Please delete!

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 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XX/XX/2021 first mark services took over my student loan from XXXX XXXX, they bought out my student loan as XXXX XXXX did away with all private student loans. XXXX XXXX told me, as well as first mark services, that my account would stay the same, interest rate and payment. I have a military interest rate on my account per my agreement and signing of documents through XXXX  XXXX. That was supposed to all transfer over since my loan was bought out, not new. However, first XXXX XXXX ( account # XXXX ) will not apply this, they are trying to change my loan they bought out to the interest rate and payment they want to. This has increased my payment and interest rate and it has been effecting my credit negatively since XX/XX/2021. I have called multiple times to get this corrected and have even spoke to our military JAG attorney. I have no processed with the attorney but I feel that is my next step. The last woman I spoke to from first XXXX XXXX told me she would submit my request and complaint and she sees no reason I shouldn't have my loan all remaining the same, interest and payment, but she did not have the access to change it herself. That was two months ago and nothing has changed. Please help me get them to resolve this issue. They bought out my loan without my consent and without me signing anything and want to change my original contract I SIGNED and AGREED to with XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-28 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:
I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2021-12-28 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:
I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
DO NOT USE TRAVEL THROUGH CHASE Nothing but a headache and frustration XX/XX/17 XXXX noticed a travel through chase option and tried it for the first time. Chase customer for over 10 years. Booked flight to XXXX with reservation number for XXXX $ outbound and XXXX $ inbound. 

XXXX XXXX XXXX cancelled the flight I chose and rebooked it to another flight without consulting me. Unfortunately it did not work with my schedule. Contacted XXXX XXXX for a refund or credit but was directed to chase since I booked it through Chase. XXXX XXXX could not help. I called chase and had to speak with multiple people until I could get credit for XXXX XXXX. It was unnecessary of the number of phone transfer and agents telling me I couldn't get a credit until one finally helped. 

XXXX Trying to rebook flight to XXXX XXXX Since the flight was purchased through chase I have to go through chase travel again to use my credit. In order to book the flight, I had to do it through a virtual chat assistance. At the end there was a XXXX $ difference and was asked to pay in order to book the flight. When the transaction went through my credit card the virtual assistant stated I needed to call chase regarding my situation. The flight was not booked yet I have a XXXX $ charge pending on my credit card. I called the number given and spoke to person # 1. Person # 1 stated that she could not do anything after asking me for my name, date of birth, zip code, and credit card number for verification. I asked person # 1 to transfer to a manager. Manager connection was lost on the phone, there was silence and no response after giving her my verification information. I was re-routed to person # 2 who also asked me for verification. However, this person asked for my social security number. I told him I did not want to give that and i can provide other verification. He continued to state that was the only verification allowed and sent back to the holding line. The automated message stated it was a 10 minute wait for the next representative. I have not received an email yet and it has at least been 30 minutes since booking the new flight through Chase ; however in my " trips '' under travel with chase it does show a booking for outbound to XXXX with a confirmation number. 

This is the worst " reward program '' /chase benefit that makes me not want to be a chase customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Account # : XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT. 

The first one being the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me.

The next billing error is the down payment on the itemization of the amount financed. The {$700.00} cash payment is in violation of 7 CFR 1436.10 ( c ). The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor.

The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ).

These billing errors may be assumed to be a willful intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Sunday I received notification that someone was trying to access my Chime account from XXXX, WA. I live in XXXX I changed my password as instructed and let them know to please place a note in my account. I wake up Monday to see that my chime account was locked.. they asked for proof of my social security number, a selfie with me holding my drivers license with the date. Sent all the documents and I can not give them to give me a honest and true timeline on when I can access my own funds. This is crazy..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
My son purchased a Vanilla Gift card for {$100.00} at XXXX XXXX. When he tried use the card a few hours later it showed a zero balance. We looked up the card and it showed a {$100.00} charge to XXXX XXXX XXXX. My son didnt buy anything there. I called the Vanilla card services to report this. They argued that he did make the charge and then hung up on me. They said I had to wait 7 days and would not remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK
State: VA

Complaint narrative:
Reached out to Midland over a month ago and was told we'd have the letter in 10 days, then called back and was told it was 10 business days. Then called back and was told that they hadn't received a copy of the credit report showing the inaccurate info. 

The XXXX is picking up that they last reported in Bankruptcy XX/XX/XXXX et the XXXX XXXX was over 7 years ago. The only way that the XXXX can be fixed is if Midland provides the letter that states the account was not included in the XXXX whcih it wasn't it was paid. They are refusing to provide an accurate time line nor the letter confirming it was not discharged in the XXXX. Midland was simply notified previously that we had filed XXXX but not that Midland Mtg was included in either XXXX filing. 

The letter is a simple request that we were told we could have upon initial call, and the agent confirmed that Midland should have never sent an XXXX Update on XX/XX/XXXX. 
They are preventing us from obtaining new financing. There was no reason to recently update XXXX XX/XX/XXXX regarding ourMidland Account and a XXXX this is what the XXXX is pulling up. Again, the first rep told us they never should have updated anything with 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 non-monetary relief