vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: NY

Complaint narrative:
I first want to be clear that XXXX XXXX is NOT at fault here and should NOT be sent any correspondence. The problem is EXPERIAN. Experian refuses to remove a fraudulent collection account from my credit report. I spoke with XXXX XXXX months ago and they sent me a letter agreeing that the collection account in the amount of {$410.00} should be REMOVED from my credit report after their investigation. I then sent the letter to Experian and requested that they remove the account and they still have not. It has been over 6 months and I have been very patient due to covid. The collection account is being reported by XXXX XXXX XXXX. The amount is {$410.00}. Please help me get this inaccurate collection account removed 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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

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 2020-07-08 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The following account is an result of fraud. XXXX XXXXXXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
These accounts are an result of fraud JPMCB {$1300.00} XXXX JPMCB {$7800.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: NJ

Complaint narrative:
I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with Trans Union Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. Trans Union is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, XXXX XXXX reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from XXXX XXXX, Trans Union credit bureau lowered my credit score 43 points. I have disputed the ownership of this account because the credit card in question that I held with XXXX XXXX was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Discharged Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit.

Credit history is reporting that it is only 3.5 years old. However, I have accounts such as XXXX XXXX that reports an open account for 6.25 years and 4 years.

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 2020-07-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 Macys Inc. reported that I was late 30 days ( {$8.00} ) on my credit account with them. i checked the last year and have not been late once. I would like this removed.

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 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I originally opened a credit account with Capital One Bank. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I applied for credit on XXXX through XXXX XXXX. they approved my card and I even used it. They then send me a letter saying that they could not assign the credit limit they approved because my credit score from SageStream LLC is XXXX. This is over 200 points off from any of the other credit bureaus. if you look into this company, they have been teaming up with banks and giving tons of people incorrect scores so that the bank can charge you more interest. If you try to request a report, they require you to send them copies of your personally indentifiable information such as passport, license, social security card. They have incorrect information, and there is no way to fix it with them. Please do something. XXXX it yourself, there are millions of people reporting to you and to the FTC because this company is blatantly scamming people under your watch. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
These accounts are an result of fraud XXXX  {$1300.00} XXXX XXXX {$7800.00} 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 2020-07-08 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My wife and I purchased airline tickets through XXXX XXXX  pre-covid19. The airline cancelled the flight and stated they would refund. We made multiple inquiries with the airline to refund and they did not. We initiated a dispute with Chase. Chase is refusing to resolve the dispute and is stating we will have to pay for the flight that never occurred. The credit card itself ( Chase Sapphire Reserve ) advertises protection against this sort of situation and are still not resolving the issue. They are not only in violation of the credit card agreement, but in violation of consumer protections under the law. 

It has been almost 90 days since the airline cancelled the flight unilaterally and Chase is sitting on the dispute. We have made multiple inquiries and escalations and chase is not acting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I believe this company is discriminating against my family because we are a XXXX couple.

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 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently applied for a Chase credit card twice, last time I applied was XX/XX/20 and the application was pending. I called them morning of XX/XX/20 and I was told that my application was declined, they said I will receive a letter in the mail with further details on why they declined the application. Then I found out that they put a red flag under my name to not allow for Chase to issue me credit cards. I have excellent credit, and I don't see any reason why I should be declined for credit or have a red flag under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MS

Complaint narrative:
I sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BC SERVICES, INC.
State: WY

Complaint narrative:
B C Services Inc. A dept collection company for the hospital of XXXX wy has been calling me repeatedly over and over almost every day. Some times as late as XXXX. I am making a minimum payment of {$50.00} a month as to it's all I can afford to pay when I tell them that they ask why I cant afford to pay my bills. Why dont I have a job, they can only accept that payment for a short time. I am trying. It's a XXXX bill they want.

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 2020-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I leased my vehicle from XXXX XXXX in XXXX Nebraska on XX/XX/XXXX for 42 months, through Chase Financial. I started receiving end of lease emails in early XX/XX/XXXX. The end of lease emails explained to get an end-of-lease inspection done so you would know what to expect but did not explain it needed to be done through a third party and not your dealership. I had an inspection done at the dealership where I was told that the vehicle looked good. 
The vehicle was turned in early XX/XX/XXXX with 6000 miles fewer than expected a few days before the last payment that came out XX/XX/XXXX. I received a bill today on XX/XX/XXXX that was dated XX/XX/XXXX stating that the lease was terminated early and that two of the tires were too worn and had to be replaced at the exorbitant price of {$210.00} each. During my call I was informed that tires are specifically excluded from {$1000.00} wear deductible they have for leases. But tires is one of the few things you should expect to have wear. 
The bill showed they were charging me for wear and tear and a disposition fee instead of the early termination fee because it was the lesser fee. Neither the dealer nor the bank explained that turning the vehicle in before the last payment is processed will result in an early termination fee. I have tried to talk with the bank and explain to them understand that the lease was turned when it was due to the pandemic and that they took the final payment therefore it wasn't an early termination. I was told multiple times that they will not negotiate with me on the bill and that no one at Chase can fix the bill to reflect that it wasn't an early termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by. Based on their lack of responding in the time frame and their investigation results they have not abused by laws.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
This is a debt collection from WayPoint Resource GR re : XXXX. This account does not have an account number, or address to mail disputes. My name is XXXX XXXX and I am writing regarding an invalid debt. I am requesting an itemize statement with what services and or items billed for this bill, when did these services began/end, I am requesting the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have attempted to call and locate an address to discuss my request. I have not received ANY letters, collections or statements from this company it just appears on my credit report. I am asking for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an alleged collection on my credit report from Capitol One Bank from XX/XX/2018and it is mark as a derogatory mark but I have Never ever in my life banked with them and do not know why this is on my account? They have an alleged collections on there for {$520.00} dollars but I have never opened an checking or credit banking account with them At All. I do not know if I have been a victim of Identity Theft or what but I know for a fact that I have not tried to bank with them nor have i ever and would please like this removed from my account because it is hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying again for days to resolve an issue with Equifax. I cant sign into my account and Im told I have no account and then when I try to open a new account Im told I cant because I have an account. This has been going on now for two years. I have tried multiple ways to get around it and it will not work so I am locked out of my credit freeze. When I call and hold online for 2 or 3 or 4 hours, yes its true the staff never ever helps but just tells me to sign on again it will work this time. I have many many hours maybe 35 into trying to fix this issue and its cost me thousands of dollars because I can not refinance. I cant tell you how bad I think Equifax is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GSF MORTGAGE CORP
State: TX

Complaint narrative:
I requested a construction and mortgage loan. 
They claimed they offered this insisted I provide them with income before I applied. They refused to offer product and service until I submit a loan application. They treated me different unlike somebody with an American name. They ignored my concerns. I attempted to move forward with loan process. I have excellent credit in which I knew and income is enough to get the loan I requested. I have XXXX score and inspite of my credit history started demanding I provide them with award letter from military in which I did and then insisted they insisted on additional proof of military status in spite it was all on the award letter from military. Finally they begin to come up with a reason for not doing business after providing all what they requested. There was no cause since I was reapproved with them two years ago. I requested where was my information since I was still working with staff during this period. I feel that my rights was violated involvong lending practicing. I feel that based on my name and religion they treated me unfair. I feel based on my race they failed to treat me fair and just. I have excellent credit and no reason was given other then they refused to complete the loan process and gather all my information. I requested product and they refused to provide information and demanded I need to file application before they disclose their product and services. Inspite of the information was submitted they continued to refused to disclose products. When I begin to inquire about this they started challenging about bringing this to their attention. I was mistreated hostile thru out the process with no cause since there was no credit challenge no income concerns and I my they have all my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX  is reporting an account that was closed and paid in XX/XX/XXXXas though i have a recent missed payment on it, as recent as XX/XX/XXXX. I have tried to get them to fix this but even though the evidence is available and obvious and American Express agrees that this account has been closed And paid since XX/XX/XXXX, XXXX  wont change it. If they do not remove this recent derogatory information is will be forced to file suit under the fair credit reporting act. This is negatively effecting my credit according to XXXX own website and I have been trying to refinance my house. This is costing me thousands of dollars. If XXXX  doesnt take simple, honest corrective action here I will get my attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  XXXX XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated PROFESSIONAL ADJMNT CO {$1300.00} Outdated XXXX XXXX XXXX {$180.00} Inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation