vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: TN

Complaint narrative:
On XX/XX/2020, I checked my XXXX and TransUnion credit report and it showed my credit score decreased 16+ points on XXXX  and TransUnion XXXX On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan XXXX {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from XXXX and TransUnion indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX  and TransUnion punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX  and TransUnion encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their 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 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Nationstar mortgage llc / Cooper Was the servicer for my home loan I sold the house, closed/distribution was on XX/XX/2020. 
Loan was paid in full.

The loan escrow account had over {$3300.00} I was told by servicer I would be sent a check. It was sent to my old address. I called in XXXX and updated my address, nothing happened, never received escrow. 
I called in XXXX, I was told I would receive a check for the escrow. 
They sent a check for {$2.00} I want the full escrow amount.

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

Complaint narrative:
Per company 's response to complaiint on XX/XX/XXXX # XXXX, Experian stated in its findings : " your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' Therefore, Experian did not even investigate or look into this complaint at all! 
This allegation is not only preposterous but does adding insult to credit injury! The preponderance of evidence prove that this complaint was composed and submitted by me. The fact that Experian submitted a report # XXXX regarding my credit report is proof that Experian certainly knows who I am as a complainant in this matter. Therefore, I re-submit my complaint as follows : The following are inaccurate and incorrect account reports on my Experian credit report : 1. The XXXX XXXX report that states that I was 30 days late in XXXX & XXXX XXXX. This is not correct and it is inaccurate! I maintained my payments with XXXX XXXX even when I was part-time employed and called to make arrangements in the case of any financial hardships but it was not a 30 days past due. 2. On the XXXX account, I contend that I was not 30-days past due in XXXX, XXXX. XXXX. XXXX account is incorrect ; it indicates that I was 30-days past due in XXXX, XXXX, XXXX and XX/XX/XXXX. I contend that this information is incorrect. 5. XXXX XXXX XXXX account states that I was 30-days past due XXXX thru XXXX, XXXX. I assert that this information is inaccurate. 6. XXXX XXXX ; I am not familiar with this account. ( If account is tied to XXXX XXXX, then I this account should be marked as PAID/SETTLED. 7. XXXX   account states that I was 30-days past due XXXX, XXXX XXXX, XXXX. I state that this information is inaccurate and incorrect. I have a payment agreement with Target that dates back to XX/XX/XXXX. ( See attached payment arrangement ). In addition, I made on-time payments for the months of XXXX thru XXXX, XXXX. Although I complied with the payment arrangement XXXX not only reported to the credit bureaus that I had not paid, but continued to add interest and late charges. I have attached a copy of XXXX and XX/XX/XXXX payments to this complaint. Therefore, I contend that the inaccurate, and unfair information contained in my credit report by this agency is in violation of the Fair Credit Reporting Act, 15 U.S.C., Section 1681. In addition, I state that Section 4021 of the Coronavirous Aid, Relief, and Economic Security ( CARES ) Act, XX/XX/XXXX, " furnishers must report credit information for consumers receiving an accommodation during the " covered period ''. XXXX XXXX email : 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 2020-09-09 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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's 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 explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Complaint Part 2- Previous background : I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : XXXX justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.

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 2020-09-09 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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's 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 explanation
Consumer complaint received 2020-09-09 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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im XXXX I cancelled flights from air XXXX. I received email confirmation from XXXX XXXX that I would receive full refund for flights and seats by email. After 60 days I disputed the charge of the flights with chase which I won. Then 5 days later I called back realizing I didnt dispute the seat charges. I was told by the rep that she wouldnt take the dispute since XXXX XXXX was voluntarily crediting those seat charges. Come to find out a few days later chase took those credits and erroneously applied it to the flight dispute. I have called them 8 times, faxed in proof that the credits they took back were truly mine and been told twice no further documentation is needed. Then I received a decline notice because there was a form not filled out sitting in my online banking forms section that neither rep told me about when I called in. So I filled it out immediately/-same questions Ive answered several times and outlined in my fax I sent in. Still no resolution. I have XXXX credit score and dont want their incompetence affecting my score. Ive spent 10 plus hours dealing with their dispute center where they never offer any assistance. They have broken every reg e requirement goingrefusing to take my dispute and leaving this case open for months with no resolution. Absolutely the worst treatment Ive received. The credits I received from XXXX XXXX exactly matched the charges so not sure how they could even take those and apply them to a different dispute of different amounts. This should of been simple for them to see the error and credit their client quickly and easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted Transunion several times in regards to accounts on my credit report. I submitted a request to validate the accounts on my credit report they only submitted a letter saying that the information had been verified. They did not send any proof.

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA

Complaint narrative:
I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of Crown Asset Management. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Freedom Mortgage Company
State: PA

Complaint narrative:
Complaint Part 2- Previous background : I applied for a refinance loan on a property with Freedom Mortgage in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via Freedom Mortgage a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to Freedom that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since Freedom still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by Freedom at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with Freedom about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : Freedom justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.

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 2020-09-09 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: Telerecovery Corporation
State: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor TELERECOVERY Account Number : XXXX Please remove this account from my credit report immediately! 


Please remove this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part is causing me a lot of trouble financially.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of XXXX XXXX XXXX. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.

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 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I thought I was ordering a free annual report in XXXX of this year.from Experian. Turns out it was a free trial and since XXXX they have charged me {$25.00} a month!! 

Angry that the same credit reporting agency that allows thiefs to steal personal data is itself a thief. 

Outrageous scam on victims of identity theft by a credit reporting agency

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 2020-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: TX

Complaint narrative:
I have been paying on a past due account ( XXXX XXXX ) to Alpha Recovery for over 1 yr already and every time they try to settle with me and I tell them I cant they get very  upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX  and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
in XXXX, XXXX, I applied, and was approved for the XXXX XXXX card from American Express. I made purchases, and paid each bill on time. In XX/XX/XXXX, I contacted customer service via chat on the XXXX app. I let the rep know that I wanted to cancel my XXXX XXXX  card. The rep either did not seem to want to keep me as a customer, or may not have been able to convince me to keep the account open. They asked if I was sure that I wanted to close the card, I said yes.

Not more than 24 hours later, after talking with sever colleagues, I decided that I wanted to reinstate the card. I used the chat feature on the app, and messaged a rep. I asked about reinstating my XXXX card. They were able to submit a request. The rep let me know that I would receive an email, as well as a letter in the mail in the next 7-10 days. I received a letter from American Express in about 7 days. It stated that they could not honor my request because of my FICO score. I was shocked. I have what is considered excellent credit. I used the business chat feature to contact American Express. This rep was a bit more helpful. They explained that they would submit a request for reinstatement. I would hear a response in 7-10 days, and see a {$25.00} fee on my card. 
Today, XX/XX/XXXX, I received another letter from AmEx, with the same information as the first letter. 

I am confused : I have fulfilled each and every one of my financial obligations. I have excellent credit. I have, in my opinion, been an excellent customer with American Express. 
I made the choice to close a card that I had met all obligations on, and had changed my mind, and decided that I wanted to keep the card. 
I feel that my business is not important to American Express. 
I am human, I made a mistake by closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.

Company response to consumer: Closed with explanation