vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: MI

Complaint narrative:
Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called 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 2020-08-11 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: MI

Complaint narrative:
Ive sent XXXX a certified letter, stating that the information on my credit report was inaccurate. I explained that I have never had a account with XXXX XXXX XXXX & with a lender called 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 2020-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mortgage was discharged on XX/XX/XXXX in Chapter XXXX Bankruptcy according to Chase Bank records. Chase Bank established an escrow account and I received an " Escrow account statement '' dated XX/XX/XXXX that would more than double my existing mortgage payment from {$1000.00} to XXXX. 
RESPA prohibits loan servicers from demanding excessively large escrow accounts. 
Case # XXXX was opened with Chase Bank on XX/XX/XXXX. 
I attempted to contact my Relationship Manager, XXXX XXXX XXXX, to eliminate or reduce the excessive escrow amount. I made my latest phone call to XXXX on XX/XX/XXXX. 
An agent at Chase Bank, XXXX, was not able to connect me to my Relationship Manager, XXXX XXXX XXXX to discuss. 
I spent an hour on the phone, much of it on hold. 
Chase Bank has not resolved the escrow issue to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: FL

Complaint narrative:
Experian currently reports an illegal inquiry under fcra rules section 1681. 

XXXX is being reported without permissible cause, no loan or credit has be extended. A violation of FCRA rules section 1681.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was able to use venmo for all my transfers and payments until last week when they blocked me from using venmo without a reason. Last time I was able to pay was on XX/XX/2020. Never received a communication from Venmo. Customer service doesn't know why and can't give an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AZ

Complaint narrative:
I've tried to get my credit report you guys keep mixing up me and my fathers information we have the same name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have two credit cards with Citibank. A Shop Your Way Card and a Citi Diamond PReferred card. 

My credit limit on my Shop Your Way card was {$3500.00}. On XX/XX/XXXX I made a payment of {$2000.00} to Citibank because I am trying to pay down my debt so that I can improve my credit score. I have never been late with my payments for this card. On or abut XX/XX/XXXX, Citibank lowered my limit on this card by {$2000.00}. This in turn has made it appear as though I am using almost all of my credit line. This also has had a negative effect in my credit score. I have since made the following payments to Citibank for this card - XX/XX/XXXX - {$200.00} - XXXX - {$500.00} - XXXX - {$300.00} Regarding my Citibank PReferred card. The limit on this card was {$5400.00}. I have been making consistent payments on this card even though I am not working and worked to get this balance from about {$5300.00} down to {$4300.00} between the beginning of XXXX and now. On XX/XX/XXXX Citibank lowered the limit on this card to {$4500.00}, again making it appear that I am using almost all of my credit line. They are indicating that they are using information in my Credit Report, but they are the ones who are causing my credit score to suffer because of these drastic reductions in my credit limit.

I would like for CItibank to remedy this situation so that I can continue to improve my credit score. They are intentionally hurting my ability to improve my credit rating.

I believe they are also using the fact that I informed them that I was impacted by COVID 19 as a reason to lower my credit limits when in fact I have not missed any payments with them.

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 2020-08-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tried repeatedly to obtain Free Annual Credit Report ... only option offered by Equifax is to request report by mail. This option required a great deal of documentation which is onerous to generate. This is the second consecutive year that Equifax has been unable to provide the Free Annual Credit Report, and they have provided no detailed reason why that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: GA

Complaint narrative:
I contacted the Transunion dispute department on XX/XX/XXXX ) @ XXXX XXXX XXXX XXXX ), about ( 3 ) hard inquiries on my credit file I did not authorize my personal info for no new credit acct. I was told by Transunion agent that " they don't handle hard inquiries dispute, not in their league to probe unauthorized hard inquires on patrons credit file. '' Hard inquiries listed not valid below. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/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 2020-08-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
To : USAA XXXX Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the USAA myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated.

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to USAA. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # 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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
To : Home Depot att Mr. XXXX Re : Deceptive billing practices From : XXXX XXXX XXXX XXXX Dear Sir, I wanted to write you to expose a huge deceptive practice I have recently encountered when looking into my Home Depot account. 



When I got my bill and saw the minimum payment I set up my XXXX XXXX XXXX online banking to pay my monthly payment to home Depot. In fact I paid an amount in excess of the minimum. Once I had this set up I did not visit your billing since I was on autopay. As luck would have it, I needed to check on one of my purchases. Well did I get a surprise and not a good one. 

I opened my statement and to my surprise I saw an interest charge. How could that be : I have set up auto pay, I was paying more than required. This was very disturbing to me so I called to follow up. 

What I learned was really bad!!! 

So even though the statement showed I had no payment due I was directed to the SMALL PRINT outside the billing information box. There I was advised is the reason for the interest charge and I was introduced to Promotional billing and Revolving charge billing. 

That is a highly deceptive process..statement shows nothing due and then the cleverly disguised revolving charges due. 

THAT IS AT BEST LESS THAN TRANSPARENT AND MORE ACCURATELY SMELLS OF OUTRIGHT DECEPTION. 

WHY NOT BE HONEST AND SEND 2 SEPARATE STATEMENTS : A-PROMOTIONAL BILLING B-REVOLVING PURCHASE BILLING I would like to hear your side of the story before I seek help of FINRA or other oversight agency. 



As a regular customer this is very, very upsetting. I will await your reply. 



XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Driven by Excellence! 

SERVING WITH INTEGRITY! 

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 2020-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have file disputes on XX/XX/2020 and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: NC

Complaint narrative:
First Progress has put derogatory remarks on my credit after I was administered an admin charge to my card but I was never sent the invoice. This is a problem that I tried to call and talk to them about but due to COVID their staff is running shorthanded and when I would call in the automated voice would tell me that they are shorthanded and the wait time is large and then it would tell me to call back and then hung up. I was never able to speak to an employee there. 
This complaint about XXXX XXXX not sending me the mailed invoices is not new, this is the second time I have had this issue and I am still seeking resolution for both times. I have actually brought this to their attention back in early XXXX. I called in early XXXX and their employee told me they would fix the mailing issue and informed me to file a goodwill letter and mail it to them and they will remove the derogatory remarks from my credit file. First Progress has this call on file and it was recorded. I sent them the letter on XX/XX/XXXX and I have a copy of this letter. XXXX XXXX at XXXX XXXX is insisting that they never received a copy of it. I have sent a copy of this letter again to XXXX XXXX and it was notarized and the mail was sent to him via certified mail on XX/XX/XXXX of this year. Just as XXXX XXXX is insisting that they never received the first goodwill letter, I am insisting that I havent been receiving invoices from them and could not have known about the admin charge. I stopped using this card so I knew I wouldnt have a balance with them. 
I now have negative remarks on my credit file in XXXX of XXXX that I want reversed. I have also provided reason for reversing the negative remarks from XXXX and XXXX of XXXX as well as XXXX of XXXX. 
XXXX XXXX told me in the last CFPB complaint to reach out to him if I had further questions or concerns. I mailed him a letter as well as all of my paperwork that I have kept. I mailed him certified mail that shows delivered and it was sent on XX/XX/XXXX. Furthermore, I had that paperwork notarized and I have not heard back as of XX/XX/XXXX. My account is now closed with First Progress and they are not communicating back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: WI

Complaint narrative:
I refinanced my student loans with Lendkey/XXXX XXXX XXXX XXXX. When I refinanced, I provided them with a account number to set-up automatic withdraws. After a few months, I received a email stating my account was delinquent due to non-payment. They attempted to withdraw funds from an account. After contacting them, it was discovered that they had the wrong account on file. The account they has was not a account of mines. My account is still showing delinquent after making a payment. I do not want this information to be reported to the credit bureau as XXXX was at fault for entering the wrong account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
Challenged credit information reported to Credit Reporting Agencies. Requested that Midland Funding, LLC supply me with ( a ) their authorization to collect, ( b ) their authorization to do business or operate in the state, ( c ) proof of the alleged debt, ( d ) a complete account history, including any charges added for collection activity. I requested the aforementioned under 15 USC 1692 ( e ) & 15 USC 1692 ( f ). Midland Funding, LLC has not responded to me within the ( 30 ) days allotted. They have not responded at all. 

Subsequent to the above I've demanded they remove this false report from all credit reporting agencies ' files. There has been no response. At this point in time Midland Funding, LLC is in violation of the above-stated statutes. 

XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 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: CA

Complaint narrative:
i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank has called 5 times from the following numbers XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX I called at XXXX XXXX  XXXX spoke with XXXX and his manager. They indicated the number was marked as do not call XX/XX/2020. 

The person they are trying to reach does not live here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out a loan of {$400.00} dollars at the time I thought I would be able to pay the loan. My grandmother passed away and I was in an accident that left me out of a job that same year my dept accumulated interest and they were charging me XXXX XXXX  of my XXXX $ loan they processed to Harass me making threatening calls finally they called my mother and told her that this was a federal case and I am subject to go to court I was able to get a number to call when I did call the people were so rude to me threatening me telling me I was being sued that they would see me in court. They didnt give me much option now they are taking out XXXX from my paycheck for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I make my application and they promise to get my refinance my home. they charge me {$500.00} but they never get my loan ... I called many times but they do not return my phone call.. I make my application over 2 months ago ... I request my {$500.00} refund but what i said before they don't return phone calls. 
First they offer me a loan for XXXX and then they modified to XXXX. I'm Agree all conditions but they never get my loan. 

Here is the name of the company ; AmeriSave Mortgage Corporation XXXX ID # XXXX Agent XXXX XXXX XXXX XXXX XXXX Loan Originator XXXX ID # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX   XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my 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