vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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:
This issue has been unresolved for several months now. 

I have filed multiple disputes with TransUnion and they have done nothing. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. When one of the cards reports to TranUnion, it replaces the other card. This process repeats itself as each card reports. 

Here are the more specific details. 

I have two credit cards with XXXX XXXX XXXX XXXX XXXX. One is a secured card with a limit of {$1000.00}. The other is unsecured and has a limit of {$500.00}. 

The {$500.00} card reports on the XXXX of each month. It shows up on TransUnion 's report. A week later, my {$1000.00} cards reports. When it does, the {$500.00} card is removed from my report. My report stays this way until three weeks later when my {$500.00} card reports. When it does my {$1000.00} card gets removed from my report. This cycle continues month after month, so it seems that on TransUnion i have only one card and it keeps fluctuating from {$500.00} to {$1000.00}. 

As a result, my credit score rises when it supposedly sees an increase of {$500.00} in available credit, but then drops when it supposedly sees a {$500.00} decrease in available credit. 

Several investigations by TransUnion have done nothing to resolve this error. One of TransUnion 's customer service representatives has acknowledged this problem. I do not know why they won't resolve it.

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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the debt as reported by PORTFOLIO RECOVERY for {$2700.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COMMERCE BANK
State: CO

Complaint narrative:
There was not an appropriate box to check so picked the ones I did. Two things, I have reached out to Commerce bank in regard to my loan asking for specific information and they have not responded. 

Today I received a notice in the mail notifying me they had purchased auto insurance on my behalf. I already have insurance and they are listed with the provider AND they sent no prior notices about this. Just went ahead and charged for the insurance. 

This company has proved to take whatever action they wish, whenever they wish without regard for the the consumer. There utter lack of communication is against ethical business practices and I would like this issue noted and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: AL

Complaint narrative:
I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXXI/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan first approved an external account for transfers from my checking account that I linked to my JPM account ( XXXX ) and then refused to put through a scheduled transfer for it. In the process, it degraded my credit score and made me miss a payment the transfer money was needed for. 

When I first called the customer service number to get help, a recording said the waiting time was 30 minutes. After 45 minutes, a person actually came on the line. After I gave her my checking account number, she then demanded my credit card number. I told her to wait while I got the credit card number. She did not wait but instead put me into an automated system. After it asked for the same information, at least 2 more times, a recording said it would be another 20 minutes to reach anyone. 

I also tried to request information online under the transfer page, to see what idiotic explanation JP Morgan would provide about why it first approved an account to make external transfers to and then, when one was attempted, cancelling it. But the online robot, like the live one, was also dead. 

Why does the CFPB allow JP Morgan to habitually fail to provide services it widely advertises? 

Why does the CFPB fail to sanction and penalize this bank for habitually lying and giving customers the run around? Why doesnt it prevent JP Morgan from opening new accounts for an extended, indefinite period of time, until it actually provides advertised services on accounts already opened? Why doesnt the CFPB act according to what everyone else knows about this bank : it is too big to fail, jail, manage, or even hold accountable by the CFPB. 

As I write this, I have been on hold with JP Morgan 's customer service number for over 1 hour and 15 minutes. It will be longer, I am sure, than it will take me to finish this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to dispute this with trans union and XXXX  but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but trans union/XXXX  refuse to allow me to dispute again.

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 2020-06-30 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: TX

Complaint narrative:
I am a victim of identity theft. There are accounts and inquiries that I was absolutely unaware of. I have no idea who has stolen my identity but this isn't fair that people can apply for things without my consent and it goes on my credit. Please remove these fraudulent acounts.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute this with XXXX XXXX and equifax but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but XXXX XXXX/equifax refuse to allow me to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: AL

Complaint narrative:
You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase Bank on XX/XX/ to file a complaint. I had a credit card with a XXXX balance and {$4500.00} credit limit that I saved for emergencies. We're in the middle of a global pandemic and I went to use my card to find out it's been closed due to inactivity. During a crisis when I needed to stretch till pay day and this is how Chase treats me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/2020, sent certified letter to Plus Four, Inc requesting validation of debts being reported to reporting agencies. 
XX/XX/2020, Plus Four, Inc sent a response stating they were unable to locate my account with the information provided and to provide account numbers for each entry on each agency 's report. 
XX/XX/2020 sent certified letter again to Plus Four, Inc with all account information as requested and requested validation of the debts being reported. 
No response from Plus Four, Inc was received. 
In XX/XX/2020, I received a notification from XXXX XXXX that the information had been deleted from my credit report and my score had increased. 
In XX/XX/2020, received notification from XXXX XXXX that my score had decreased due to updates on my credit reports. When I reviewed the details, I noticed that Plus Four, Inc had re-added these debts to my report, yet they had NOT provided validation as requested in my letter sent on XX/XX/2020. 
Additionally, they continuously adjust the amounts being reported, although in Nevada, I don't believe they are allowed to add interest to collection accounts. I have informed Plus Four, Inc that I do not recognize these debts and asked them to provide validation and they did not. They temporarily removed the entries, then later reported them again without complying with my original validation request, which I feel has violated my rights according to the FCRA. 
I am very frustrated with their tactics and reporting this incorrect information is having a substantial negative affect on my financial 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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I paid about 90 % of the " New Balance '' on my Bank of America VISA statement, dated XX/XX/XXXX. On the next statement dated XX/XX/XXXX, I paid the balance in full, before the due date, including the finance charge from the previous month. When I received the next statement dated XX/XX/XXXX, there was another finance charge, even though I had paid the previous balance in full. I called B of A customer service, XXXX, and asked for an explanation. They said the second finance charge ( on the XXXX statement ) was a " residual '' finance charge left over from the previous month, and that I have to pay the full balance TWO MONTHS IN A ROW to make the finance charge stop. I told the customer service rep that I don't think that's the correct way to assess finance charges. When I pay the balance in full, the finance charge should stop with that payment. She insisted their method was correct. 

Admittedly, the amount of this particular finance charge is small. I'm not complaining about the amount. I'm complaining because they charged it after the balance was paid in full. If they do that every time someone has a residual balance and then pays in full, I think they are charging an extra month 's interest to which they are not entitled. 

I can provide copies of the statements, if desired.

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 2020-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX  XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, XXXX  and Transunion made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my XXXX  and Transunion credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX while I was at work I got a notification that a purchase was made with my Walmart/Capital One Mastercard credit card. There was no way I was at work the whole time. I dont even shop for shoes at XXXX. I like to go shoe shopping at the mall. I report it this to the company. They had taken the charge away and they charged me again saying that it was a legit transaction but it wasn't me they also told that after I canceled the card there was an attempt for use at a XXXX XXXX so clearly someone did hack my info. I did have the card with me so I dont know how this happened. I had ordered a new card with the same card number prior to this happening. So I think my new card was stolen and I didn't realize??? Did my info get hacked???. Its just not fair that I have to pay for someone else 's shoes. I need shoes and don't go crazy going to buy some. If you could help me I will really appreciate it! Customer service from Walmart/ Capital One credit card where not trying to help me at all. They just don't care. I have a great credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Account has been locked up since the beginning of XXXX. Nobody has contacted me, and no check received. Whenever I call in and if Im lucky to get through to someone - they tell me that my account is still open but I cant close it. They tell me its in the process and to wait. Weeks turn to months. I call back. This time they tell my I have to speak to a certain team, yet whenever I call - nobody can ever reach this team. I want my account closed and a check sent! Cant even access statements or any of my account information because its all online - yet when your account is locked, you cant login!

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, Experian and XXXX  made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my Experian and XXXX  credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.

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