vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: MI

Complaint narrative:
XXXX filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

XXXX is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with XXXX on XX/XX/2020 around XXXX  I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that XXXX had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

XXXX is using predatory tactics, and illegal tactics.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a mortgage with Bank of America and it was paid off XX/XX/2020. On XX/XX/XXXX Bank of America deducted another mortgage payment in the amount of {$5300.00} for the month of XXXX for a loan that was paid off. I have called the bank and spoken to numerous representatives who have all assured me I would be getting my money back but here I am ( 21 days later ) and I still have not received my money back. I have simply asked that the funds be returned to the Bank of America checking account they took it from and I have received excuse after excuse. My average wait time to speak to a representative is a minimum of 2 hours and I've made at least 8 to 10 calls. I'm frustrated and I'm at my wits end. I have other obligations to meet and the bank taking these funds has placed me in a difficult situation. I would appreciate anything you can do. 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 monetary relief
Consumer complaint received 2020-08-26 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted Credit Acceptance, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 explanation
Consumer complaint received 2020-08-26 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: Recovery One, LLC
State: NC

Complaint narrative:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # # # # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # # # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXX XXXX- # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
I have applied for a home loan to purchase a new home. The lender pulled my credit and it showed I had a late payment XX/XX/XXXX for a previous mortgage. I paid off my home loan in XX/XX/XXXX. I do not owe this company any money. I called them and they said it would  take 10 days just to look at the file. I am very upset with their process. I would like help to get this erroneous error off my credit report. The error is showing dated XX/XX/XXXX. 

I spoke with the company XX/XX/XXXX and they said they did not report this and it would take 10 days to have their team look into it. I will be losing the house that I have put a down payment on and I will lose my down if this does not get resolved in a timely manner. 

I have filed a complaint with this company previously and you helped with a positive outcome but again they are messing with my 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 2020-08-26 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: LA

Complaint narrative:
I called XXXX XXXX. I told them the account is over 7 years old. Its  been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.

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 2020-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a cruise using two credit cards. I had to use two cards as the cost of the trip exceeded the credit line of my primary credit card. The cruise line cancelled the cruise on XX/XX/XXXX and I was notified by my travel agent via an email. I submitted my refund request with the cruise line on XX/XX/XXXX and called them to verify that they received my refund request. The cruise company did not provide any written confirmation of my request. 

The cruise line stated that they may not issue the refund for several months. Their policy is a violation of the credit card merchant agreement and federal law. So, I notified both credit card companies in XXXX and they advised that they would take action if the refund was not processed by XX/XX/XXXX. 

One of the cards issued the credit on XX/XX/XXXX. 

Synchrony Bank has taken no apparent action and almost two months after I initially contacted them, and made two follow-up phone calls, they are now asking for proof of the cancellation. This indicates that they have not even contacted the cruise company. The cancellation notices are public information and all international travel is suspended. Anyway, I have provided it to them. 
I filed the disputes with the credit card companies because I am concerned that the cruise line will go bankrupt and I will be responsible to pay for a trip that was cancelled. 

I hope you can intervene and get the refund expedited. I also want people to know that they should avoid using Synchrony Bank credit cards. 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 monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Tran Union several times regarding debt on my credit report. I have sent in supporting documents several times regarding this debt. Tran Union is refusing to remove the debt from my credit report. I have put in several disputes with Transunion regarding a false debt against XXXX XXXX XXXX for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on 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 explanation
Consumer complaint received 2020-08-26 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: AZ

Complaint narrative:
I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act. 

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct 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 explanation
Consumer complaint received 2020-08-26 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Fraud - someone use my Social Security number and opened up a PayPal credit card. 

This bank- still not communicating with me or giving any information. I need to figure out how to get this off my credit report. Because I did not open up the account I can't get any of the information. Going around in circles for three months I recently changed addresses XX/XX/XXXX, doing so through the USPS website all of my financial credit cards banking information automatically changed to the new address submitted to the post office. 

I received a letter dated XXXX from Pay Pal Credit or synchrony bank. Which I have uploaded, and this is the only piece of information I have received from PayPal credit. 

I called the bank on XXXX and was given Case # XXXX and told I would receive some items in the mail the next two weeks. ( which I have never received any mail from them other than this one sheet of paper that I've uploaded ) I've had my credit report on applying for a mortgage - and this account has been open since XX/XX/XXXX and someone has been paying it back, making minimum payments. 

I am unable to obtain the account number, credit card information, transactions as this is all digital, and I do not have any of the criteria of the account because I did not open this account. 

The fraud department will not tell me anything about this account. All I know is that there's a {$6000.00} balance reporting on my credit report, with no late payments, and this not my account. all i know is the last four numbers of this account.. is 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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I wrote a check from my account to cash and they said they needed two forms of identification aside from my driver 's license. I asked what other form they said a debit card. I don't have a debit card for this account. They said that they could call my number and give me a code and I didn't have my cell phone. We are under a hurricane emergency and they said I couldn't take out my money. No resolution even though the check I wrote was from my chase account. I believe this branch is discriminating against people with XXXX last names.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/20 I was browsing around my US Bank app and stumbled apon the monthly maintenance fee for my checking account ( silver package ), it said click the link to find out how to avoid the monthly maintenance fee. I proceeded to investigate and it stated my account would be free if I had direct deposits greater than {$1000.00} each month, at this point I was very upset because my direct deposits have been well over {$1000.00} each month for the past 5 years I've been a customer. I went to my local branch to sort this matter out and come to find out they got rid of my account package 2 years ago and i was never notified and they continued to withdraw money out of my account. The branch was only able to refund 3 months of service fees which I believe is unacceptable! My own bank has been stealing money from me for 2 or more years. Monthly maintenance fees are {$6.00} multiply that by 24 and thats {$160.00}, and if I've been wrongfully charged for 5 years thats {$410.00}. I also tried to contact customer service myself and ended up with the same results they are only able to refund 3 months. This is wrong and I'm reconsidering banking with US Bank.

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 2020-08-26 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:
PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct 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 explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE HELP. I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a Dispute against Citi Cards for a Fraudulent Transaction. 

Unauthorized/Fraudulent transaction in my XXXX,2020 billing statement from XXXX XXXX XXXX XXXX TX for {$5800.00}. 

I noticed that this was a fraudulent transaction and informed Citi Cards, Citi took a statement from me and asked if I have the position of the card and I told them that I do. After a few days Citi sent a letter stating that I am responsible for this payment as this card was used physically. 

Me or my wife never went to this store and have not purchased any equipment from XXXX, XXXX, TX. 

I did file a report with XXXX Police Department in the month of XXXX,2020. 

I have formally requested Citi to provide me any evidence that I have used this card at XXXX XXXX, XXXX, TX. 
1. Signature of the Transaction from XXXX 2. Camera or Footage of me entering this facility.

3. Any other evidence you have that can prove that I used this card in that facility. 

They refuse to provide me any information and have been charging monthly interest on the disputed amount.

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 2020-08-26 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: NY

Complaint narrative:
I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports

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 2020-08-26 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This account has been paid as settled. They continue to report the payment status as a charge off every month Shows XXXX charge offs.

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