vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Bought car at XXXX in XXXX CA XX/XX/19 finance company American Credit Acceptance interest rate 28 % I believe this is a violation of CA Usury Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lake City Credit
State: TN

Complaint narrative:
I've repeatedly explained to the very rude representatives from Lake City Credit that this is an old debt that was paid over 10 years ago, and they become increasingly hostile. They keep repeating things like " You can not run away from this debt '', and " Pay the debt that you owe! ", etc. I have repeatedly told them to cease calling my phone number, yet the calls continue and their tone grows increasingly menacing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Comerica
State: CA

Complaint narrative:
On XXXX XXXX XXXX XXXX, Wednesday, XX/XX/2020, between the time of XXXX through XXXX, the XXXX XXXX walk-up ATM at XXXX XXXX Street in XXXX, California malfunctioned after I selected to withdraw {$900.00} from my Direct Express Mastercard ending in XXXX AND SO NO CASH WAS DISPENSED! Because of the XXXX XXXX 's XXXX holiday, the XXXX XXXX branch was closed so I was unable to speak with anyone in person. I called DIrect Express Mastercard at XXXX and filed a claim dispute on the same day of XX/XX/2020 and was given a service request number, and I was advised to fax an affidavit explaining what occurred as soon as possible to prevent any recovery of my money from being delayed. I faxed the requested information to Direct Express on Friday, XX/XX/2020, and on XX/XX/2020 Direct Express Mastercard supervisor/manager XXXX confirmed receipt of my affidavit. HOWEVER, from XX/XX/2020 through XX/XX/2020 I was unable to get through to speak with ANYONE at Direct Express Mastercard. Either I was unable to remain on hold for an hour or my call was disconnected by Direct Express Mastercard due to heavy call volumes. Finally, today, this morning after calling Direct Express a second time since my first call was disconnected after being placed on hold for management, XXXX or Direct Express Mastercard advised me that on or before XX/XX/2020, FIFTEEN DAYS after filing my ATM claim, Direct Express Mastercard response will be available. I requested that XXXX submit a message to the investigation unit advising them that they had ONLY TEN DAYS from the date of XX/XX/2020 to issue me a provisional credit. And XXXX confirmed receipt of my affidavit on friday, XX/XX/2020, two days after filing my ATM claim. And in speaking to XXXX XXXX branch manager XXXX XXXX yesterday on XX/XX/2020 at XXXX, he advised me that after balancing the walk-up ATM yesterday, a discrepancy was identified in the total amount of cash the ATM was suppose to have in comparison to the total amount of cash actually present inside the ATM. I also reported this same information to XXXX during my call. The {$900.00} was part of my monthly Social Security payment, and I have no money whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX and XXXX accounts. ( Please see pages 2 6 and 9 14 of the attached credit report. I have also attached a spreadsheet with each account number ). These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-07 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XXXX, I was in the process of deploying/deployed to XXXX in support of Operation Freedoms Sentinel. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.

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 2020-01-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: NY

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF 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 non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have made a Zelle transfer from my personal checking to a buisnsss checking account on XX/XX/2019 for XXXX. This money is still not in the receiving account or been refunded to the delivering account. I have contacted both banks and Zelle and we have had no luck at receiving back our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-07 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
BSI Financial Services ( BSI ) claim to be a Mortgage Loan Serving company. They state my property mortgage payments had not been paid since XX/XX/2019. They refused several attempts to accept submitted BSI firms Payment History, BSI Mortgage Monthly Statement and my Banks copies of validation checks clearly proofed all payments were made. BSI returned XXXX mortgage payment with a notice which stated my home loan is in foreclosure status. This is a lie & SCAM. They also refused to accept XXXX payment. I sent XXXX mortgage payment by Teller check in the amount of {$780.00}, pending BSIs declining payment action. They are attempting to force my home to be in default statue for 90 days for non-payment. They have severely damage my credit FICO score by reported a derogatory entire of unpaid debt before they review my qualified written request of disputed debts. Their offensive negative entries cause misrepresentation in relation to a mortgage loan which is then relied upon by a lender. BSIs action cause a significant drops of 30 points in my credit profile which influences a banks decision.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature.

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 2020-01-07 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: NY

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF 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 2020-01-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: RI

Complaint narrative:
IQData inc attempted to contact me in XX/XX/2019 I immediately called once I received the letter and spoke to the client directly. The manager apologized and said that the collection notice would be removed right away and that it was a mistake on their end. 

I received no further contact from the collection agency or apartment complex until XXXX when I received my security deposit back via check. 

The next time I was contacted was at my PLACE OF BUSINESS. The man I spoke to was wildly rude stating that he has my social security number, he knows where I live and who my employer is. He proceeded to raise his voice at me after I told him that I would not pay the amount he is asking for because I have proof that I provided proper notice to move out and did not violate my lease agreement. 

I sent him the notice to vacate form to which he called me back ON MY OFFICE LINE AGAIN after I asked him to NOT contact me at my place of business and told me that this is invalid because it is not signed by the complex. I then forwarded the email correspondence with the leasing manager where she asks for my notice and I send it to her via email. 

This man raised his voice after I stated that I have proof and will not be paying the balance that he says I owe stating I know where you live, where you work and your social this will be going on your credit report, good luck! He then hung up on me. 

I have sent an email to the company stating in writing for them not to contact me at my place of business again and providing the proof I have that I am not in the wrong here.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: TX

Complaint narrative:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
My credit report is showing fraudulent accounts from XXXX XXXX   XXXX attatched to addresses I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I put in an application for a Chase Sapphire Reserve card in ~ XX/XX/XXXX. I received a letter from Chase dated XX/XX/XXXX asking for me to come into a branch and provide a copy of my Social Security Card for verification. I've previously been a victim of identity theft so this type of thing is routine when opening new accounts for me. I went into the Chase branch at XXXX XXXX XXXX XXXX Washington DC XXXX on XX/XX/XXXX and XXXX XXXX ( XXXX ) took my Social Security Card into the back without me and scanned and faxed it to their Fraud department along with their " SSA-89 '' form which had my SSN on it as well. She had the assistance of at least one other woman who worked at the bank. She took a copy of my SSN and used the copy to scan/fax it. I called XXXX to validate that the Card Services department had received it and had the phone on speaker phone while XXXX XXXX and the Card Services member talked about how to store the document. The Card Services member validated that she had what she needed and the call ended and I left the bank. 

On XX/XX/XXXX I received the same letter as I received previously again and when I called both the bank and Card Services departments they did not know where my faxed or scanned Social Security Cards were. I would like a full investigation into this matter about how they were able to lose my PII, especially both a form with the SSN on it and a copy of my physical social security card. Card Services called back to tell me my application had been approved, but they were not able to tell me where my PII was. I also talked with the Branch Manager of the Chase Bank and she said she was going to find out what happened but I have not yet heard back either from her. I would like a full explanation from Chase about what happened and I want all of my information permanently deleted from their systems including documents because I do not trust that they will be able to protect my PII in the future because they have not currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: FL

Complaint narrative:
This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

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 2020-01-07 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: TX

Complaint narrative:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

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