vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score dropped from XXXX to XXXX with no changes in balances. It is definitely a issue that seems to always revolve.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account. 

I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX  XXXX website. 

Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account. 

I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed. 

I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction. 

I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information. 

This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account. 

Please ask Barclays/XXXX XXXX to correct this unfair situation.

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 2020-12-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan has been in forbearance period for 5 months. To request for an extension, I submitted a Borrower Assistance Application and reference documents to mortgage company through email on XX/XX/2020. 

I received a 'Notice of Default and Intent to Accelerate ' letter requesting to payoff the delinquent amount from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit report per XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX XXXX, on XX/XX/2020, XXXX XXXX and WELLS FARGO DEALER S add a hard inquiry. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 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: CITIBANK, N.A.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit reports per XXXX and XXXX. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA., XXXX  on XX/XX/2020, XXXX - XXXX XXXX add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-08 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: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2020 chime put a hold my account with a balance of {$2600.00}. I sent them the documents needed to uplift the hold but on XX/XX/2020 they closed my account. I was receiving government money such as PUA in this account. Now Im being told my funds cant be refunded but theyre still sitting in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
My chime account was hacked on XX/XX/20 by an unknown person. They sent themselves {$100.00} from my account to theirs. I contacted chime as they are well known for this and they have given me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to TransUnion regarding accounts XXXX XXXX XXXX and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted TransUnion on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX  XXXX XXXX XXXX, PA XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. TransUnion is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.

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 2020-12-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Received a call from an Experian Representative on XX/XX/2020, stating that although they obtain third party information they do not actually verify whether or not that information is correct prior to it being put on consumers credit reports. The representative stated to me that they do not know how XXXX verifies their information. So, why is information obtained from third party vendors allowed to be put on consumers credit reports without proper verification? Which lets me know that they never actually verified the bankruptcy that I am disputing prior to me opening a dispute about. The only way that I know they verified the bankruptcy afterwards was because the representative called the court while I was on the phone. Experian failed to do their due diligence initially in making sure that this public record was mine. The source who they say they verify through ( XXXX XXXX has deleted this information from their records, so should Experian. Otherwise the information that they send to consumers IS A LIE. They do not verify and information with XXXX, they just put it on your credit report whether or not its is valid, which is a violation of the FCRA. 

This company violated my rights as a consumer by calling the courts to verify my bankruptcy. THIS IS AN ILLEGAL ACTION. Since the credit bureaus are not public entities they are not allowed to call the credit bureaus to obtain that sort of information. The credit reporting agencies are not allowed to check XX/XX/XXXX or contact the courts to verify bankruptcies. Therefore, Experian has committed an illegal act and I am considering litigation for violation of my rights as a consumer. 

Your method of verification for the above mentioned bankruptcy can not be verified, since XXXX was unable to verify it and subsequently deleted it. I demand that this public record be removed from my credit file IMMEDIATELY or there will be further legal action taken. 

I have proof that they have removed other consumers bankruptcy after having XXXX remove the bankruptcy from their system and I have proof to show it and I will be using it in my litigation proceedings against Experian for their illegal activities if they do no remove this bankruptcy immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Repeated periods of several hours where receiving multiple calls from similar or the exact same number. Most recent occurrence was the same number calling me 4 times in a period of 2 hours.

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 2020-12-08 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: MO

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXX, TransUnion and XX/XX/XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.

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 2020-12-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX XX/XX/XXXXand Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXXXX/XX/XXXXand Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Deposited XXXX into my chase checking account at the ATM and next day tried to take it out and received a technical error and cash deposit still showed as pending. Next day samething and this time my debt card was suspended, called fraud department and customer service verified my information and they took the restriction off card and said everything should work fine. Went to do a transfer through chases XXXX pay app and it locked my account and my access to online banking. Was told couldn't be done over phone would have to come to branch. 
Twice in one day for trying to take my money out is very frustrating especially when it's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XXXX XXXX, BEST, on XXXX XXXX,XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiry. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I reviewed a current copy of my credit report and inaccurate information is listed. This creditor XX/XX/XXXX ( Original Creditor : 12 XX/XX/XXXX XXXX XXXX is showing a charge off account with an active balance on my credit report. I understand that a charged off account can not show an active balance it must show a balance of $ XX/XX/XXXX. Below is creditor information. 

creditor : XXXX XXXX Original Creditor : 12 XX/XX/XXXX account number : XXXX Open active balance reporting : {$9700.00} which is inaccurate credit reporting information.

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 2020-12-08 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Motor Credit Acct # XXXX Final payment for truck was paid in XX/XX/2020 thru Ford Motor Cr. Understand it was late. However, various attempts to dispute through credit agencies and Ford has not resolved the actual issue. Constant decline for a student loan for son at XXXX XXXX as the credit bureau reports the Status being " 31-60 days '' late. This account is paid in full and closed. Status should state that it is " paid as agreed '' like all other accounts. We do not owe additional money. Title was mailed to us from Ford. Balance is {$0.00}. Ford continues to decline the issue, not understanding what the real issue is. Our current status is incorrect. Ford agrees it is paid in full, but this is not resolving the issue on the credit reports as it is being seen as if it is still late. XXXX  and XXXX  both have this on our credit reports. Maybe it is insignificant to Ford because it is a closed acct, but the status still shows us as Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: FL

Complaint narrative:
My name is XXXX XXXX. 
I am writing to delete the following information off 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 the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-08 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: MD

Complaint narrative:
I have recently reviewed a copy of my credit report. I noticed that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The credit report agency continues to violate my rights according to 15 USC 1692 d '' Any bad debt furnished on your reports is ruining your reputation and it's defamation of character. ''

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