vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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:
I have been request couple of times to remove unverified accounts from closed my account of my credit report with EXPERIAN. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with Experian, XXXX XXXX, XXXX ) Please remove the following item as soon as possible entirely. 
XXXX XXXX -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Southwest Rapid Rewards in XX/XX/2020. There is a promotion for a {$200.00} statement after first purchase, plus earn XXXX points after you spend {$1000.00} on purchases in the first 3 months. I was approved for the card and fulfilled the requirements for their offer. I have had the card for a few months now and I contacted Chase regarding the promotion offer regarding their points. I mentioned that the current points reflected on my account does not reflect the bonus points. The first time I called they lied to me and said the offer was for 10k points. The second time, Chase hung up on me. The third time I called the supervisor lied to me again. I told them I have a screenshot of their offer, a copy with date of the time I submitted the application, and told them this is a " breach of contact '' and that I would take legal action, if necessary, in small claims court. Only then did the supervisor claim she would escalate the matter and get back to me in 3-7 business days. I am submitting this complaint to prevent Chase from doing this to other potential customers in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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:
I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST XXXX REPORTED XXXX ACCOUNT TYPE Installment XXXX XXXX. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING XXXX DATE LAST ACTIVE XXXX PAY PATTERN XXXX XXXX PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT LEVEL : XXXX XXXX COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO RECOVERY ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR

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 2020-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I contacted Better Mortgage Corporation and applied for a loan. After 45 minutes to an hour on the phone with the agent and providing all of my data for credit retrieval and wholistic financial overview, I was pre-approved for {$370000.00} with a down payment of {$11000.00}. I then began to view/tour numerous homes and after nearly 2 months, I made an offer on a home that was accepted. I paid approximately {$470.00} for the home inspection and placed {$4000.00} in escrow. When I sent the the contract to Better Mortgage, they refused to send my information to underwriting citing that my DTI was too high. I inquired about their process indicating that my DTI did not pose a problem for the pre-approval nor had I taken on any new debt since receiving the preapproval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I am trying to buy a house and I have been told that the loan would be removed after I paid it and it is still showing on my credit report. Account has been paid. The loan was done through Santander USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
AMSHER COLLECTIONS stated I opened an account with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to insert an account on my credit profile and I have not received them. I have requested numerous times for this information. They have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for 4months I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be Fine and pmts would not be late

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 2020-07-23 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: GA

Complaint narrative:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from 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 2020-07-23 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: GA

Complaint narrative:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from 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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOME LENDING GROUP, LLC, THE
State: NV

Complaint narrative:
Due to close on loan XX/XX/XXXX. Finished final contingencies in loan for full approval XX/XX/XXXX. Signed docs and wired money in XX/XX/XXXX and XXXX {$110000.00} for down payment. Loan never funded XX/XX/XXXX blamed being short handed from Covid. Extended close to XX/XX/XXXX. My lender quit during this period. Contacted owner of lending company via texts and emails why I didnt close XX/XX/XXXX. Owner of The Home Lending Group, XXXX XXXX admitted via text his lines of credit were suspended two weeks earlier. Two weeks before my close he still had me go through approval process knowing he couldnt fund it! Contacted him daily until XX/XX/XXXX, I realized I had been defrauded and I started contacting attorneys about this situation. Scrambled to find new lenders to help me close in a timely fashion without the sellers backing out of deal! Meanwhile I made financial obligations to people in regards to work to be done once closed. There are many others that lost their homes due to not being funded. Lenders never got paid. People displaced/homeless!! Some of the evidence provided are from the texts XXXX sent to my realtor XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
I was in the hospital with a XXXX. I had over {$600000.00} worth of medical bills. XXXX covered most of it. This was in XXXX. My brother told me a collection company called his house to collect my debt. Then today I got a letter from the same collection company in the mail. It stated that I owed {$190.00} for a doctor bill from when I was in the hospital. I told him I have been making payments on all of my bills. I wanted to know who the debt was from. He told me XXXX XXXX XXXX. I checked and I have not gotten a bill from them. I can't possibly pay a bill that was never sent to me to pay. Then they turn it over to this collection company that treated me like I was a criminal. He told me to research it myself. His job is not to tell me who was billing me or their phone number. I have no idea what this bill is for. I have no idea if it is even real. 
I think I should not have someone not send me a bill and then try to ruin my credit by turning it over to a collection company. That is certainly not fair and it doesn't seem legal.

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 2020-07-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting account number and original balance wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account from 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 2020-07-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bought a merchandise from Lord and Taylor website on XX/XX/XXXX for a fathers day present for an amount of {$110.00} utilizing my Lord and Taylor credit card. The items were scheduled to be delivered on XX/XX/XXXX at my residence. I received a test message that the items had been delivered on Friday XX/XX/XXXX at around XXXX XXXX  which i did not received because I was home and there was no package delivered. I filed a complaint to Lord and Taylor customers service that the items indicated as delivered had not been received. I was given a reference number and the store will investigate after 21 days which i agreed. I also filed a complaint with US postal service as delivery system for the undelivered items. The 21 business days elapsed and Lord and Taylor has not done anything about my items but have gone ahead and charged my store account to the amount purchased. I called several times to no avail and finally contacted their credit card services to dispute the charges on my store credit card because of the undelivered items charged to my account. The credit card services is also indicating that it would have to send my dispute to the store for another investigation which i feel the store is just tossing me around. I do not want it to affect my credit which I really worked hard for it. I am asking your assistance in resolving the issue. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
Experian reports credit inquiries. Scores based on the number of credit inquiries is really absurd and companies using this score ( based on number of inquiries ) refuse credit but then the number of inquiries goes up by another one. 
Making it harder to get credit from another company. 

Example : My XXXX XX/XX/XXXX Credit Score was XXXX as reported by ( XXXX XXXX XXXX XXXX ) On XXXX XXXX I applied for XXXX XXXX  credit card. I was refused saying the number of credit inquiries is too high in the last 2 years and a Score ( FICO score XXXX ) of XXXX? 

* I have an annual salary greater than $ XXXX * NO liability * Only 2 credit cards ( all paid of monthly - no defaults ) The denial was shocking - to say the least. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ), One by XXXX ( XX/XX/XXXX XXXX XXXX was denied ). Rest is 4 credit cards in XXXXyrs. 2 of them closed. 

Now that XXXX XXXX  has refused - it adds to another credit inquiry, so the next financial company will XXXX saying..you have 7 inquiries.

Should the number of inquiries form a part of the credit score?

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 2020-07-23 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: U.S. BANCORP
State: OH

Complaint narrative:
We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX  and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before 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