vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.

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 2021-05-24 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: TX

Complaint narrative:
Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.

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 2021-05-24 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: GA

Complaint narrative:
My name is XXXX XXXX Creditor is XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with XXXX XXXX XXXX XXXX, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company XXXX XXXX and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX XXXXXXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very Much , 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 2021-05-24 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of XXXX XXXX. During a recent refinance of vehicles Randolph Brooks Federal Credit Union ( RBFCU ), where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from XXXX. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX  website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to RBFCU about the model used. I contacted RBFCU, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of Transunion ). During a recent refinance of vehicles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from Transunion. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to XXXX about the model used. I contacted XXXX, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2021-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP
State: OH

Complaint narrative:
Paid off a lease with US Bank in approximately XX/XX/XXXX. In XX/XX/XXXX, XXXX more than 6 months later ) I began receiving statements for {$52.00} for " Misc Non-taxable '' with no other explanation. I returned the first one with explanation that car was paid off. The next month I called and XXXX claimed it was a Pennsylvania toll fee from XXXX. The date did not seem to line up with past travel, but so much time had passed that I requested proof ( toll invoice including picture of my vehicle ). They said they would mail but could NOT scan to me. In XX/XX/XXXX, I still had received nothing, so called again. XXXX said file appeared to indicate that it was mailed, but she would try again. Still nothing! Talked to XXXX again in XX/XX/XXXX and she was not sure why mailings had not been sent. In XXXX I wrote a detailed letter and asked that they provide the proof or stop harassing me. 
In XX/XX/XXXX, I talked to XXXX and he claimed details were sent twice but he did not have access to them and again NOBODY could sent them via email ( which is ridiculous ), I requested they try to mail again. About a week later someone who sounded just like XXXX called me and got very nasty and indicated I should pay whether I had the proof or not because it was my leasing company requesting the money. Absurd! I have spent so much time attempting to determine whether this is my bill. First, not sure why they didn't bill it at the time they paid it, second, why it wasn't included in my payoff figure, and third what is so difficult to provide the info I have repeatedly asked for. This has become emotionally draining for me and it needs to stop.

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 2021-05-24 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I purchased a XXXX XXXX scooter in XXXX directly from XXXX XXXX. The scooter arrived broken and caused an accident with my child. The company refused to issue a refund so I initiated a dispute through my credit card ( Citi-Mastercard ). The credit card will not charge back the funds even though the company scammed me with a broken product.

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 2021-05-24 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: LEXISNEXIS
State: NJ

Complaint narrative:
I am Consumer number XXXX. This concerns case # XXXX I received my Consumer Disclosure Report and note that In the phone records, pages 15-16, records 2-10 are associated with addresses I've never lived at. I would like this information deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
XXXX phone was XXXX account was # XXXX said it was a chase card from 2010 with a XXXX balance. 
Supervisor threatened me with legal action and i told him I need him to send me any and all paperwork regarding this cards detail, purchases with any and all information. XXXX XXXX XXXX XXXX claimed to be the supervisor or ceo of this collection Agency called XXXX XXXX XXXX. Sent two emails to get more info on this account. He sent me a very strange email to docusign something that I did not open. I emailed him back to get more information again and have not got a responce back. I have no idea what this guy is talking about as far as this credit card. I believe the person and this company are fraudulent. If I owe someone money I do pay them back. This is a scam. I do not believe any information he gave me about his name, title or company name are true. 
this needs to be reported. 

All of this correspondence happened on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Monday XX/XX/2021 : I called American Express after being locked out of my account and was told my account was permanently closed ( several times within the conversation ) and that a check would be mailed to me. There was " nothing I could do aside from writing a letter to '' the P.O. Box. I requested this information in writing and the representative hung up on me. This was after nearly {$11000.00} XXXX {$9300.00} XXXX of it were government funds. The other deposits were from direct deposits from projects. 

Wednesday  XX/XX/XXXX : I'm told that I need to contact a bank and have them write a letter of indemnity and send it directly to American Express. I asked them which bank and they said they couldn't give me the information. I asked -again- for a letter to be sent to me stating all of this. 

This happened early in the month so I received returned payments from my credit card, phone bill, and WiFi providers each charging a fee of $ XXXX. My rent check bounced. Had to change my direct deposits from previous gigs ; a nightmare I tell you!! 

Friday XX/XX/2021 I received an email about fraudulent activity that I was thought to myself " a permanently closed account can not have failed transactions '' so I called American Express and even going through notes, the representative on the phone was super confused and began an internal review of my account. 

Monday XX/XX/2021 : I receive an email about my account being back to normal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: TX

Complaint narrative:
remove it : fcra violations : LAW OFFICES XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$670.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$670.00} {$670.00} Payment Info Original balance {$670.00} Balance {$670.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX - Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$12000.00} XXXX XXXXXXXX BANK NA {$1300.00} Closed 10 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1300.00} {$1200.00} Payment Info Status 30, 60, or 90 days past due date, was past due 120 days or more Status date XX/XX/XXXX Past due amount {$180.00} Highest balance {$1600.00} Monthly payment {$70.00} Late payments XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXView more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 3 late payments {$1100.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 47 % Balance on XX/XX/XXXX Credit Limit {$1100.00} {$2500.00} XXXX XXXX BANK USA N 7 late payments {$460.00} Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 92 % Balance on XXXX XXXX, XXXX Credit Limit {$460.00} {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have now contacted our new mortgage servicing company, PHH Mortgage Services, 4 times since XX/XX/XXXX, with regards to why their company has failed to pay our property taxes from our escrow account. These are county and township property taxes that were due at the end of XXXX. I am attaching the two notices of delinquency on these taxes to this complaint. 

The money to pay the taxes in question has been present in the escrow account since before the initial delinquency notice of XX/XX/XXXX. In four different, frustrating and lengthy phone calls, I have received no better answer from PHH than " my documentation and concern has been to submitted to our escrow/taxes department '', even when requesting an escalation from the representatives. I was told explicitly that I could not be transferred to this department, and that " they were going to take care of it, along with the now accrued late penalties and interest. '' Never was I allowed to speak to someone who could solve this problem. 

As of date of submission of this complaint, I have confirmed with the relevant local tax office ( information attached ) has not received payment. I have exhausted my options with PHH 's ridiculous customer phone service, and I now asking for solution through this filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TN

Complaint narrative:
i started the dispute process back in XXXX and have not heard anything yet.

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 2021-05-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
i started the dispute process back in XXXX and have not heard anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX stating that I owed {$600.00} and when I checked my credit report they had reported an unpaid account for that amount. I contacted XXXX, they told me to contact unifin which I did. The representative at unifin told me I needed to do my own research and pay my bills if I had a problem with something on my credit report. They would not give me any info about the debt. XXXX finally told me it was XXXX credit. So I contacted XXXX. They told me to contact XXXX XXXX XXXX did not provide any info. I never opened or authorized a XXXX credit account and still have no idea what the charge is for. These four companies are holding my credit hostage unless I pay {$600.00} that I have no knowledge of ever incurring. Please help me understand how the XXXX credit account was ever opened without my knowledge and why cant anyone tell me anything about it. Why did I first learn of the debt after it was reported to the credit bureaus? When I requested in writing that XXXX send me debt verification, they sent me back a form letter stating that they needed more info from me. My request included the XXXX reference number, unifin reference number, synchrony account number as well as my name address and social. How can they do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, Ive banked with Chime for quite some time now ... I share a checking, savings and credit builder account with them. I transferred some funds on XX/XX/24 to pay my insurance and an hour later my account had been closed. This is an account I live on. My unemployment is deposited into this account bi weekly. I have rent to pay and bills that are due. Can someone please help me retrieve my monies!! Im XXXX and bedridden and doing everything on my own please help

Company response to consumer: Closed with explanation