vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy XX/XX/XXXX! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported 2 different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.

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 2020-12-31 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy New Years! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX actually removed it due to those violations, but you continue to reported XXXX different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.

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 2020-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

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 2020-12-31 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: The CMI Group, Inc.
State: NJ

Complaint narrative:
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from credit management LP, without any notice. I never received any letters from spectrum or credit management LP. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In XX/XX/2017 we moved out of XXXX XXXX XXXX XXXX from XXXX CA. We disputed the final settlement amount in XXXX XXXX small claims court. We paid the disputed amount in full directly to the XXXX XXXX XXXX homes after court ruling. Please see the supporting documents which shows no dues. However, Fair Collections & Outsourcing ( FCO ) reported a collection account to credit agencies and later marked it as paid in full. We never interacted with FCO or paid anything to them. The account is closed by the apartment company satisfactorily and we still live in another apartment with the same company. 
I tried to reach out to FCO to resolve this but they were very unprofessional and absolutely denied to look in to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding contacted and attempted to contact multiple family members as well as attempted to contact my place of employment and discuss my personal information with 3rd parties and violate my privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: PA

Complaint narrative:
I have tried to pull both my credit report and credit file and was given the message from XXXX, XXXX and Equifax that using my social security number, that I would not be able to retrieve my consumer report and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried to pull both my credit report and credit file and was given the message from Experian, XXXX and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

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 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
A new bank purchased my mortgage but didn't inform me or send me a payment coupon. My payments to the previous mortgage company were deducted automatically from my checking account and I didn't notice that the payments had stopped. I first became aware that new bank had purchased my home loan when they sent delinquency notice dated XX/XX/2020 stating that I owed {$12000.00} and that the account was XXXX days delinquent and could result in foreclosure. The amount we owe on this mortgage is less than half of the value of our home. I immediately contacted the new bank to find out what happened. None of the employees would confirm that their company had purchased the loan and when I described my situation, they just stated " Well, didn't you notice? '' After a number of calls, they agreed to remove the late fees and interest and I made a payment of {$10.00}. XXXX over the phone on XX/XX/2020 to bring the account up to date. Recently I became aware that they have reported delinquent payments on our credit reports. I called to ask them to remove that information since there was no way I could have sent them a payment before they made contact with me. They stated that we would need to file a written request and wait for them to investigate. We have always had excellent credit scores and wanted to refinance this mortgage to get a better rate and a more responsible mortgage company. Now we have a poor credit rating which would interfere with refinancing. I would like them to expedite the correction of my credit rating. I'm also concerned that this could be happening to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I sent a dispute letter to the credit bureaus disputing this negative account which is not mine and the collection agency sent me a letter requesting information to verify my identity I sent a copy of this letter to the credit bureaus along with my identity information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I bank with Chime, a division of XXXX. 

After sending {$18.00} to my mother through XXXX ( her account is named XXXX XXXX, she rents out her property in Hawaii, her house is # XXXX in XXXX homes in XXXX, Hawaii ). 

Previously, Chime charged me twice for taking out {$160.00}. I called them about it multiple times, they stated it was an ATM adjustment since the ATM did not charge properly. They have now refunded it, locked my account and will not talk to me about it. 

I frequently use ATMs to pull out cash and never have I been questioned. I can not access my funds, my paycheck was denied and my stimulus due to the suspension. I have rent due, I need food and my electricity will be shut off. 

Chime keeps requesting my social security card which I have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
I recently disputed a collections account through XXXX for a debt of XXXX from a creditor name of XXXX XXXX and the collector agency being Fair Collections and Outsourcing. It was added to my credit report on XX/XX/XXXX. This is inaccurate information and I will like this removed from my report immediately cause of the damage it has caused to my report. I have been living at XXXX XXXX XXXX XXXX, Ga XXXX from XX/XX/XXXX til XX/XX/XXXX and moved to XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX. I moved to XXXX and stayed at XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I have never been contacted in any way of this debt and never have seen proof in writing with my signature that I owe this debt to XXXX XXXX and the collection agency Fair Collections and Outsourcing. Can this pleases be removed from my credit report cause its very detrimental to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
" TrueAccord '' emailed my ex-wife, whom I have been separated from for over eight years regarding a debt that I do not owe. My ex-wife sent screenshots of the email on XXXX XX/XX/XXXX. This was the first time I have been contacted regarding this debt. 

I contacted the company promptly on XXXX XX/XX/XXXX, and they would not speak to me unless I gave them my phone number. I reluctantly gave the operator my phone number, and then she stated that she " could not verify that phone number. '' The number I gave her, my current phone number has been used by me for over three years. Since she could not verify my phone number, she then tried to get me, " verify my address, '' and I refused. The operator would not give me any information, other than agreeing to, " removing us from the contact list. '' The email my ex-wife received states, " This was originally a check written to the XXXX XXXX. This check was presented for payment but dishonored by the bank. XXXX XXXX XXXX, XXXX purchased this debt and has hired our company, TrueAccord to collect the balance due of {$60.00}, plus a returned check fee of {$25.00}. '' I have not used checks in stores since around XXXX. I do not have any outstanding debts that I owe to any businesses. TrueAccord was attempting to fraudulently make pay/responsible for a fake debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 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:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 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:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I am no longer interested in you tube and I am trying to get XXXX to release my card information but they won't as of XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On around XXXX on XX/XX/2020 I woke up to see that on my Chime Checking Account someone had hacked into my account and used the Pay Friends feature to send themselves {$810.00} of my money to their account without my consent. I have placed a police report, and a dispute of the charge through chime and I am awaiting a resolution. They dont seem to have good communication nor do they really seem to care about getting your money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I was granted a forbearance on my home loan from SLS ( Specialized Loan Servicing ) and a payment was due on XX/XX/XXXX. With all that had occurred during XXXX, I was making an effort to stay ahead of debt, so I made my XXXX payment on XX/XX/XXXX. I signed online to make a payment today for XX/XX/XXXX, and my account stated that I was past due for XXXX. I called them and advised that I had made a payment in XXXX for XXXX and they told me that they had applied it towards my principle amount. There is an option that you select when paying online if it's to be applied towards the principle, and my confirmation clearly states that I did not request it to go towards my principle. Not only is it reporting me to the credit bureaus as delinquent, but they charged me {$150.00} late fee ( for paying early ). I planned to keep my payments current in XXXX to refinance to another mortgage company and I feel that they are sabotaging my effort and charging me additional fees that weren't warranted.

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 2020-12-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX  or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.

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 2020-12-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was visiting XXXX XXXX XXXX, As soon as i was about to purchase park tickets via my XXXX credit card i was offered a promotion if i apply for XXXX XXXX XXXX Card that if i make a online purchase today i would get {$250.00} Credit and {$49.00} Annual Fee waiver for the first year upon spending {$500.00} in next three months I made those purchases and got qualified for the offer and was credited {$250.00} however was charged {$49.00} Annual Fee, i called Customer service and they said they have escalated this issue and will get the fee waived off and send me a letter. 

after weeks i got a letter that we can not waive off this fee as there is no offer like that available, i called again and made them realize that there was so one who gave us misleading advertising offer for sales purpose and got us stuck with this fee at XXXX XXXX, but chase had no answer and told me they cant do any thing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint because I am being extremely affected by TD Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

Also, by the time of the late payment, I was affected by XXXX. People in home came down with the virus too and due to this I was not checking mailed statements. 


Account : Balance {$100000.00} Opened XXXX XXXX, XXXX, I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 


Thank you.

Company response to consumer: Closed with explanation