vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the accounts from my credit report to prevent further damage. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX   XXXX XXXX  XXXX The date open and date of last payment made does not match the credit reports of XXXX and XXXX . This is non-factual reporting. Please remove. 
XXXX XXXX XXXX XXXX This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX. This account is unrecognizable. This account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX this account shows 120 day lates multiple consecutive months. This is non-factual reporting also this account also states Joint Account. I have not co-sign for anything in my life. Please remove. 
XXXX XXXX XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
XXXX XXXX XXXX This account is unrecognizable. 
USBK COURT XXXX FLORIDA XXXX I called the bankruptcy court and they do not have any record of a bankruptcy under my name nor do they provide information to credit bureaus. Please remove account INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX via XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I had been using Bluebird by American Express since late XXXX with no difficulty. I opened the account under my maiden name and have since married ; I was informed this would not be a problem, and I should just send a copy of my updated ID card. 

On XX/XX/XXXX, I received an email stating that my account had been permanently suspended ; there was no prior notification of an issue. When I contacted their customer service, they said I was suspended for receiving direct deposits under my married name. They refuse to refund my money without a Letter of Indemnity ; my only funds were from Unemployment, and the Unemployment office is unable to intercede on my behalf. 

I have contacted a lawyer and am currently trying to contact the HR department at my former job. I have no idea what to do next ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and TransUnion were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.Equifax and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY CREDIT SCORE AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : TRANSUNION : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX, XXXX XXXX XXXX THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK 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 explanation
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE  CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY XXXX XXXX AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN : XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX  XXXX, XXXX XXXX CARD THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK 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 explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Greetings, A monetary transfer was made from the saving account to second mortgage internally at Bank of America on or about XXXX, said bank has acknowledge a reduction in savings total.. 

The monies transferred the transferred are not reflected or credited to the mortgage balance. 

I am looking to resolve the issue as to why the monies are not reflected on the mortgage statement and why I can not contact anyone at said bank. Numerous attempts have been which include in person at the local branch, phone calls and electronic media. 

Respectfully XXXX XXXX XXXX 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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The Consumer Reporting Agency Experian is who I am accusing of fraud. Experian is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave Experian written permission tp furnish anything on my consumer 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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio RC reported against my credit, an amount to which I requested an original proof of debt. They were unable to provide anything other than a statement that they purchased said debt. This is not sufficient under the guidelines of the FTC and needs to be removed. If removal has not occurred within 30 days, legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have an account w/Barclays ( ending in XXXX ) on which I purchased a laptop for my daughter with 0 % financing in 2017. I made payments well above my minimum and asked that the payments be applied to that purchase first and they chose to apply ALL of my payments to subsequent purchases. 

Now three ( 3 ) years later, i get a bill with additional interest of {$770.00} added for this month, which includes interest back to 2017 for the promotional fee that was not paid off, as they applied all payments to subsequent purchases. 

i have never been late on any bills ; i have made payments well above my minimum ; this is unfair consumer relations, and especially during these trying times.

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 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
There was an end of lease inspection in which the inspector charged for items that were in violation of the lease agreement. Examples include a warranty repair and a rim scratch that was two inches long ( contract says charge for more than six inches ). I have written and called Nissan multiple times without a response. Today they sent me to a collection agency and still haven't responded to the original issue. 
I have been on hold with them at a new number for one hour and twenty-two minutes. At the old number, they give you the option of returning the call but never do so. 
In short they are violating their contract, don't respond to written documentation and did not follow the law with respect to collection processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
Logging into my Chase Bank credit card account on XX/XX/2020, I have been presented with a set of agreements that I am being forced to accept in order to access my current and valid account. One of these agreements is a " consent to e-sign ''. I have been given no options to decline or defer acceptance of these agreements. i need to access my account in order to be able to make a payment on time and have agreed to e-statements, so I do not have the information to make the payment on time. Not only is this in bad faith, but I believe that it is illegal to force me to 1 ) consent to e-sign and 2 ) force me in the same session to electronically accept changes to my credit card agreements in order to be able to see my balance or make a payment on my account. In addition, the opt-out for any of these services requires mailing or calling and speaking with an agent. if they can provide an electronic opt-in, they should also be able to provide an electronic opt-out. 

Complaint # 2, the dates on some of these documents are in effect as of XXXX of this year. It is now XXXX and they are just now asking me to accept the terms of agreements which they changed in XXXX. I have logged on to the site multiple times from XXXX to today. They should not be able to retroactively date agreements by almost 3 months and force me to agree to backdated agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Letters received XX/XX/XXXX, XX/XX/XXXX, dated respectively XX/XX/XXXX, XX/XX/XXXX. Previous letters received from XXXX XXXX XXXX over the past year since XX/XX/2019. Bill amount XXXX. The Bureau of Medical Economics ( possibly fraudulent collections agency ) is  threatening, " Considering what additional collection efforts may be necessary to ensure the outstanding amount is paid in full. '' XXXX XXXX XXXX and the Bureau of Medical Economics ( Collections Agency ) may be fraudulently scamming me to pay for fake medical bills. My medical insurance covers all medical bills. Otherwise, there has been a mistake on either the insurance companies part or those companies that I can not resolve on own. I have spent over 10 hours talking on the phone, providing personal information like insurance, birthdate, addresses, searching through a years worth of documents looking for past bills, etc.. I have called the hospital, auto and medical insurance, XXXX XXXX XXXX and the Bureau of Medical Economics. I have gotten a family member on the line during the calls. I receive backdated letters, e.g. a letter I see the very day it is delivered is dated 4 weeks prior and claims I have 4 weeks to resolve the issue. Over the phone, The Bureau of Medical Economics, was not able to tell me the dollar amount of the bill until they calculated new numbers after I told them the final sum. They've claimed the issue is resolved after each of several times I've called each company, only for me to receive another letter in the mail. They will not send me anything in the mail saying the issue is resolved. XXXX XXXX. XXXX. said I have an extra 45 days, after notifying the collections agency within 3 secs that the collections agency mustn't be involved any longer, yet I received another letter from the collections agency. The address for the collections agency is a P.O. box.There are 6 complaints filed against the Bureau of Medical Economics through the FTC and the XXXX Reviews of the Bureau of Medical Economics includes tens of complaints about scams. The Bureau of Medical Economics Website Link on XXXX Sometimes leads me to a " You have won a XXXX dollars scam page with party streamers, '' so on and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I went into the bank today to apply for an auto loan. They only pull equifax, and there was a fraud alert neither I nor the lender had ever seen. It would not release my credit report or score to them. I called equifax, and they tried to run my report over and over asking me my information every time. They could not find any report under my name. The previous day, I had applied for financing from the dealership, and they were able to pull credit from both XXXX  and XXXX. In addition, no XXXX  XXXX XXXX site will pull equifax, only the other two. I do not see how my file has disappeared, as the same bank pulled it last year for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have viewed my credit report and see that A company by the name of LVNV FUNDING is reporting on my reports A debt owed to A company by the name of XXXX  XXXX. I have never ha any sort of account with XXXX   XXXX nor LVNV funding. I have reached out to both companies sending written letters advising them of this error reporting on my report. I also asked for proof that I owed this debt as I am 100 % sure I have never done business with either company. To dat I have not recieved A response from either company yet this incorrect information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/20 I received an alert from Experian that my score dropped 23 points. When I viewed my report for detail, absolutely nothing had changed from the last report. I called to receive clarification on why my score would drop 23 points when there are NO changes to my credit report and the CSR explained they could not provide specifics for the decline in score. She could only provide a general explanation of negative accounts Also, collection accounts traditionally have less impact on your credit score over time. Collection companies know this so they employ little tactics to fraudulently decrease a consumer 's score. There are two collection accounts on my report where the companies are repeatedly " updating '' the Balance Owed or other categories although all info remains the same. These updates decrease my score each time as if it is new information. 

I spent 50 minutes on hold after receiving notification of a score decrease and the representative ( XXXX ) could not explain the reason for the decline. She initially stated it was because I opened a dispute ... which disputing information should never lower a consumer 's score. I then informed her the dispute was filed AFTER the decrease. She had no answers and stated my current report was unavailable and I would have to call back in a few 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