vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the national credit reporting companies announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP , the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) Consumer Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor type.3 We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from XXXX, XXXX, and Experian.

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Good afternoon, A malicious Chase employee has input derogatory information on my banking history preventing me from opening an account. Attached are the comments as well as the incorporation and filed tax documents. XXXX XXXX XXXX accounts have almost identical comments. 

I don't owe ANY banks any money. XXXX XXXX and Attorney General XXXX have both been email with this same information. 

Thank you immensely for your immediate assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/22 i did the preapproval application for XXXX XXXX. i was preapproved for {$5000.00} upon attempting to accept the offer i was denied several times stating that denial was because of a previously approved application. 

XX/XX/22 i called customer services and spoke to several different reps which resulted in finally getting my application approved. however, the approval was only for {$600.00} when i already had a {$5000.00} preapproval.

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 2022-10-26 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 — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
On XX/XX/22 I received a notification from XXXX that a new collection had been added to my XXXX, XXXX, and XXXX reports. I immediately sent a dispute letter on the same exact day by USPS on XX/XX/22 stating to Southwest Credit Systems that I had never did business with them and asked for debt validation and that I was disputing the debt. As of today, I have not received a response from them, it has been almost 60 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruc
tions.

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 2022-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: GA

Complaint narrative:
I was harassed by what I am assuming was the debt collector lady. She would repeatedly call my phone, aggressively beat at my door, and continuously sit outside of my house. I attempted to call in and come to an agreement so that i could pay the loan in full, but any time they got me on the phone I would experience complete aggression and disrespect. I was too afraid to go into the store because of the stalking and intimidation I was experiencing. If needed I can obtain witness statements from other Adults living in the house at the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica
State: MI

Complaint narrative:
I opened a checking account with Comerica Bank. The sole purpose of this account was to have funds available for automatic payments to a ( pending ) HELOC application. I deposited {$2000.00} to open the account. When my HELOC loan application was approved, they did not offer the credit limit that I had expected. I did not close on that loan offer and ACHed out my remaining balance in the checking account as it would never be used. Comerica has charged me {$69.00} in " overdraft fees. '' They have sent this to a collection agency and are negatively effecting my credit score. I have disputed this with the collection agency twice now with no response, only continued harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife Ocwen loan servicing acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXXXXXX XXXX XXXX acct : XXXX Santander consumer usa XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received an updated escrow analysis from my mortgage company XXXX Mortgage XXXX. This escrow was including my neighbors taxes which the mortgage company had already paid for XXXX. I send them the correct tax information from the county tax collector. They then asked for a legal description of the property to which my attorney sent them the legal deed, and county tax parcel descriptions to the escalation support on XX/XX/XXXX. They then called my on XX/XX/XXXX stating that those are not correct legal descriptions. They will not allow me or my attorney to speak with the tax department directly. 

XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MD

Complaint narrative:
I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.

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 2022-10-26 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: MD

Complaint narrative:
I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MD

Complaint narrative:
I've completed disputes with the credit bureaus in regard to student loans that appear on my report that do not belong to me. 

Letters to the credit bureaus were sent on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 I have never received a response from the credit bureaus, nor the creditor, in any of my correspondences.

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 2022-10-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a Credit Card for business, offered by Chase Bank. When the COVID-19 hit, in XX/XX/XXXX, Chase notified me that my credit card is closed and I can't make additional purchases. They didn't give me any reasons. I didn't commit any fraud or activity that would cause my card to be shut down. I had a credit limit of over {$40000.00}. That amount was helping me manage by business and make purchases while paying off the card at the same time to avoid interest rates. 

When Chase Bank shut down my card, not only I didn't have the buying power that I needed and relayed on for my business, but also, I had to close the XXXX balance in 30 days to avoid interest charges. That was not possible, especially with all the craziness that was happening around that time. I lost 30 % of my employees, and I was having difficult times keeping up with the payments. 

I contacted Chase bank via phone, bank in XXXX, and requested grace period to close my Credit Card without being charged interest fees ( $ XXXX ). As I was trying to make monthly payments towards my credit card, I was hit by huge interest fees that were increasing my balance, instead of decreasing it. 

I made a second attempt to reach out to Chase Bank and request grace period for paying out my card- but my request was denied, regardless of the COVID-19 circumstances. 

In total, I was charged in interest and fees for this particular Credit Card {$10000.00}. 

Currently, I have finally paid off the Credit Card Balance, plus an additional {$10000.00} on top of it. I am requesting to be reimbursed for this Interest Fees, that increased by Credid Card balance, and I had to pay additional Interest on the amount that included the interest already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and 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 2022-10-26 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Upgrade an subsidiary of XXXXXXXX XXXX XXXX XXXX limited my account to evertime I make a payment they reduce my credit limit to that amount so my credit file will show I'm always at my limit. They are trying to mess my credit report up. I sent them emails telling them about themselves and to close my account and lower my interest rate that they increased for no reason. So my account will show decreases without staying at my limit. They refused and still has it open. XXXX FCRA, I warned them plus I'm a 100 % XXXX XXXX

Company response to consumer: Closed with explanation