vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX  one, and Experian deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

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 2020-07-13 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:
Heading to my documentation that I have with the credit repair agency the credit bureaus have not updated my credit report accordingly to the CFTBI want my credit report 's to be listed as current thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: PA

Complaint narrative:
I went to use my Amazon Chase Credit card for an online purchase on XX/XX/XXXX, and my purchase was declined. I tried to make the purchase again using my XXXX Chase credit card and it was again declined. I called Customer Service and was told that the reason my purchase was declined was because my cards had been closed as a bank decision. When I asked why, I was told that it was due to payments being returned on my Southwest card earlier in XX/XX/XXXX. I explained to the customer service rep that I had mistakenly entered the wrong account number and the wrong routing number, as I was paying out of a new checking account. I had called in XXXX to let Chase know that I had made a mistake, and I was told that everything was fine and not to worry about it. I was told that I could even call in and have any fees waived for these returned payments. I however did not have those fees waived, and paid them in full. My payment went through once I corrected my error, and my card was paid in full. I continued to use my card and make payments without a problem. I was also confused because there was not a single problem on my Amazon Chase card, but that one was closed as well. The customer service rep told me there was nothing she could do, and told me that there was not a single supervisor on duty due to COVID-19. I then wrote an email to the executive office on XX/XX/XXXX asking for someone to look into this and to reach out to me. Someone from the executive office did reach out to me on XX/XX/XXXX, and told me they were reviewing my account and would get back to me. It is now XX/XX/XXXX, and I still have not heard a single thing from Chase Bank. They closed my two largest credit cards in the middle of a pandemic, with no regard to how this could be affecting me and my credit. I would like to hear from someone to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my 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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Hi SPS informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that XXXX  had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents XXXX can only collect fees if they were the prevailing party. XXXX sold the loan to SPS. For many years XXXX never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for XXXX  AT THAT TIME WAS CONVICTED FOR FRAUD. XXXX CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither SPS OR XXXX   CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Continually the same problem with this bank. Incorrect balances, I can not sign into the so called MY SYNCHRONY data base t0O make a payment, Customer service experiences rude, unprofessional, uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? 

SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as 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 monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked a rental property via XXXX  ( XXXX ). Upon reading the reviews that came in a few days after I booked the rental I became aware that the property was unsafe and that there were roosters directly across the street from this property. I called and texted the owner regarding the reviews. He confirmed that the reviews were true. I asked him about the broken locks on the windows and he said " he never had a problem with break-ins before ''. He did not offer to fix the locks. I requested a full refund ( XXXX ) from him via the XXXX website. He only refunded my pet deposit ( {$25.00} ). I then booked another property. I disputed the charge with my credit card company ( Capital One ) for the amount of ( {$240.00} ). The credit card company denied my dispute because they " found that we already responded '' by refunding the initial pet deposit ( {$25.00} ) ( not the full amount ). XXXX disputed the refund because of their policy Which said that I had to cancel 2 weeks before my booking. Unfortunately, I booked the reservation after the 2-week cancellation policy. The XXXX terms and conditions state that the property owners are not to provide false or misleading information. It is misleading to allow people to rent your property knowing that there are broken locks on windows and roosters crowing. It should be a XXXX responsibility to ensure the safety and comfort of these properties before enforcing arbitrary policies. I do not think it is fair that I paid for a property I did not use, especially considering that the property was unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received correspondence from a company named XXXX XXXX XXXX  ( XXXX  ) about a {$650.00} debt on XX/XX/2020. XXXX  stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX  a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX  sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX  has not responded to my request for proper debt validation either that was dated for XX/XX/2020. 

LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's. 

Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX I tried to do a investment using the XXXX app. Then went to link my account with PNC to see that I cant due to some privacy policy change. I use XXXX  to save money and am really disappointed I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On 4 different times : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as XXXX ; plus one of them as XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX accessed my credit file with Transunion, without my permission. This fraudulent activity was reported, as well as fraudulent activity with my Credit Card. My card got cancelled 5 times, but the inquiries are still on my report, after several times disputing them with transunion and the bank. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent to them regarding this fraudulent activity. XXXX was deleting them, without the need to go to small claims court. As up to date, Transunion shows the 4 inquiries still, meanwhile the other 2 CRA deleted them already. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion Is neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

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 2020-07-13 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: CA

Complaint narrative:
For several months now, I have been disputing XXXX XXXX XXXX XXXX for reporting my account 2x30 late. Every single response from Experian has been that it was verified. I finally disputed the erroneous information with the XXXX  and XXXX XXXX XXXX replied with that is was most definitely an error on their part. It is obvious to me, when you file a dispute with Experian, they do not investigate. Had they done an investigation they would have gotten the same results I did. I have loss opportunities due to their lack of keeping the information they report correct. This is against FCRA rules and regulations and Experian should be held to this.

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 2020-07-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XX/XX/2020, American Express Credit Card Company closed all my 5 credit cards ( 3 biz card + 2 personal card ) suddenly without any inquiry or conversation with me. The reason for closing my account is not being used for intended purpose. I called them multiple times to figure out what is not being used for intended purpose. They never gave me a clear answer. 

My personal guess is because that I carried high balance ( over XXXX ) at that moment as my business do have a temporary need for credit at that moment. They may have a concern that I have trouble to pay the balance down. 

But in reality, I managed my business very well and I could and would pay the balance down as I have done in the past 15 years. By XX/XX/2020, as arranged, I paid all the balance off, XXXX balance was left. There are no balance left in my account anymore. 

These payments have been well planned and arranged before I use those credit cards. 
I made these payments in time, which not only proved that my commitment is not speculated, but true ; also proved I am the loyal, caring, disciplined customer as I have been in the past 15 years. 

Then I called American Express Credit Card Company to see whether they can help me reinstate my credit card. The customer service department saw a restriction which they don't know how to remove those cards. They failed to help me reinstate my cards. 

Now the COVID-19 crisis is still going on, my business could help my family, and help maintain several jobs at this extremely difficult time. The shut down of my american express credit cards disrupted my business a lot. This action is not only to hurt a loyal customer ( 15 years good history ) with some decision made with insufficient information, also hurt all the peoples who are involved in my business, the vendor, the ligistics and so on. 

I don't think anyone will benefit from this wrong decision, including American Express Credit Card Company. 

The wrong doing should be corrected, and the justice should be maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: NY

Complaint narrative:
I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my 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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, Transunion shows the 3 inquiries still, XXXX  one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. Transunion and XXXX  are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

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 2020-07-13 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: NY

Complaint narrative:
I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX  # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation