vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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:
**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX  XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX and transunion notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus

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 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This complaint is against Transunion. It is the Credit Bureau that is the most damaging to the consumer based it's inconsistent with reporting. Both XXXX  & XXXX  present information that is more more comparable and consistent. Transunion 's scores are always much lower based on they do not include all that the other two do to make for a more REAL score. I am trying everything that I can to improve my score and have made pretty good progress but Transunion constantly based on it's lack of up to date and consistent comparable data has been very detrimental to my progress. It should be mandatory that all creditors report to all three bureaus for the purpose of presenting accurate information and reporting. This needs to be addressed because it is critical to those of us trying improve our 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 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
NEW ISSUE I am having XXXX  handling my legal claim against Citi and I am requesting all statements from XXXX to XXXX when fraud occurred under my name for the accounts with Best Buy, Citi Costco and Macys to be mailed to me. Respond to the complaint, do not mark this as a duplicate as XXXX needs specific documents.

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 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank coerced me into adding a reserve line to my student checking account, when I was still a college XXXX, and I'm nearly XXXX, still struggling to pay off the debt I've accrued to this reserve line account. Since the beginning of XXXX, I have paid off the entire value of the principle amount, along with over {$250.00} above that initial amount, which has not changed since the account was opened. My banking statements say my billing period is every 30 days, but in XXXX alone, they have withdrawn funds from that account eleven ( 11 ) times in intervals smaller than that ; on 4 occasions, they automatically withdrew funds less than 1 week after a prior withdrawal. I am currently a XXXX   XXXX  on a fixed income, and with the massive loss of income I've suffered due to COVID-19 shutdowns, I need this account closed and these predatory practices to stop ASAP. It is bleeding me dry, and affecting my ability to pay utilities and important expenses.

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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I opened a checking account with Chase on XX/XX/2020 at the branch in the address below : XXXX XXXX XXXX XXXX XXXX, LA XXXX The banker asked for my ID and XXXX documents and I provided the following : Drivers license, SSN, Passport, XXXX XXXX XXXX ( XXXX Form ). 
I received my XXXX card in the mail on XX/XX/XXXX and I deposited {$1000.00} in that account. 
On XX/XX/2020, I realized that all the funds have been withdrawn from my account. So, I called customer support and they told me their back office has closed my account ( without prior notice ) because my immigration documents were lacking and that I should receive my funds in a check through mail. 
I called their compliance team on XX/XX/2020. They went over my case and told me there was closing my account was a mistake and I should go to the same branch and open another account with the same documents. I went to the same branch on that day and asked to open another account as I was told. The teller refused to open the account this time after talking to the same compliance team. Asking for an additional document ( XXXX Form ) which is an application to register permanent residence. 
I believe I receive such treatment because of my nationality. I am an XXXX  citizen and I understand that XXXX is on the OFAC Sanctions list. However, I have lived in the United States for the last 4 years. Initially as a foreign student on XXXX XXXX and currently as an XXXX XXXX on an XXXX XXXX. I have had checking accounts with XXXX XXXX XXXX and XXXX which proves that this is not a general ruling and as an alien holding a valid visa status, I have the right to have bank accounts in the United States. 
I feel mistreated and discriminated against by the Chase Bank. Not only they disrespected me by closing my account abruptly and without prior notice, they bounced me back and forth when I asked for the reason. They wasted my time and caused frustration with their confusing and judgement-based policies. Lastly, as of today ( XX/XX/2020 ), I have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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:
INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX  XXXX XXXX OPEN XXXX AMT. {$440.00} XXXX  XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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:
**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus

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 2020-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage sent us a check in the amount of XXXX in XX/XX/2019 for an escrow account overage. We found this out by looking at our monthly statements in XXXX and we called them then. They agreed to send us a replacement check that we never received. In XXXX we called them again to follow up and they stated we needed to wait 30 days because of the refinance we were conducting with them to lower our rate. We then called them back in XXXX and they stated that they would mail us another check. In all, freedom claims to have mailed us these funds a total of 3 times. We have never received the check. We do not have any mail issues at home. We strongly believe the checks are not being mailed. We have been working through numerous calls with them since XXXX. Our last contact stated that freedom ended up using the funds from that check to pay off unpaid supplemental property taxes which we included in our prepaids during our refinance with them in XXXX. Our new mortgage include the XXXX that they claim to have used our refund check for. Our last contact there acknowledges freedom received the funds at closing for refinance and has stated that unfortunately at this point he can not resolve this matter for us and that there is nobody else to escalate this too. He acknowledges that freedom paid the county and that they also received the funds during our escrow close in XXXX for the refinance. We are beyond exhausted from the countless hours that we have spent on the phone trying resolve this situation with freedom mortgage. We feel helpless that our last contact simply stated there is nobody to escalate this to. His name is XXXX XXXX and his phone number is 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
Consumer complaint received 2020-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Last year in 2019 I went through a company called XXXX remodeling to get an estimate and try to get financed for a new roof. That company ran my name through multiple other companies to try to get me financed. So on my credit report it is showing about 3 or 4 different company names on the same day as hard inquiries. After reading on the fair credit act. It stated that any inquiry for the same purpose with in 30 days would be considered one. I called transunion to try to understand why it was listed as 4 different times even though it was for the same purpose through the same company and the company had tried to get me financed, why is it not one. And the gentlemen I spoke to said it is seperate because its seperate financial companies that they went through. So I am confused as to whether it should really be 1 or 4. I am submitting this because i have recently looked into getting my car refinanced and on their page it says this : " When you go rate shopping to refinance your car loan, you can make as many inquiries as you like within a 30 day period. All of these inquires will be treated as one single inquiry as far as your credit score goes. Auto refinance lead finder services, like XXXX, are ideal in this situation since they can make inquiries to nearly one hundred different lenders all with little to no impact on your credit score. '' So to me I feel I am being misled into allowing multiple things attack my credit when they are advertising it to only be considered one inquiry.

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 2020-10-02 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:
INCACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX XXXX XXXX OPEN XXXX XXXX. {$440.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
My husband was the victim of an identity theft on XXXX XX/XX/XXXX in Texas with Conns Appliances. This incident was reported to Conns appliances, along with an affidavit and supporting documents. XXXX XXXX ( my husband ) eventually reported it on this website to Consumer Finance as Conns Appliances were not taking any corrective action. 



Conns Applinaces Fraud department issued a statemnet syaing this matter was closed on XXXX XX/XX/XXXX. 

Today ( XXXX XX/XX/XXXX ) Conns Appliances Collection department is now calling me to collect on this debt. I have attempted to explain the situation to the collection dept on several occasions but the calls continue despite my best efforts. 

The original complaint ID is XXXX submitted on XX/XX/XXXX to Consumer Finance .gov

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: FL

Complaint narrative:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC
State: WI

Complaint narrative:
I called CashLinkUsa to extend my loan for additional funds. The first person I talked to ( a male ) stated they can't give me anymore funds unless I pay it off and then they can start a new loan. He said once I pay it we can get on the phone with my bank to make sure it cleared and we can process a new loan the same day. 

He transfered me to a CSR ( a woman ) and she stated that a new loan couldn't be process for 30 days. I told her the man I just spoke to said I can do it the same day. She said I can take the payment but the loan can't happen until Monday. 

So I paid off the loan then I got on the phone with another loan rep ( a male ) who says now we can't do it because you paid off with the debit card and we have to wait 30 days ultimately putting me in a bind because I have to pay a bill that has to do with my internet services of which I can't work with out it. I work remotely so without internet I'm in a bad place and can't work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: U.S. BANCORP
State: NY

Complaint narrative:
I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services.

I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.

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 2020-10-02 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was offered XXXX bonus points but now I am told it is only XXXX bonus points. It is currently being offered XXXX bonus points and believe this is misleading. This is an unfair and deceptive business practice by the Barclays XXXX credit card. 

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