vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
I am a victim of Identity Theft ... .I have submitted all of the proper documentation including a copy of a Police Report and Identity Theft affidavit to all 3 bureaus ... .This has absolutely ruined my life ... .I have never lived in XXXX, Georgia !! ! I haven't applied nor attended any School ... yet Experian continues to report 4 charge off student loans on my credit file ... Acct # XXXX in the amounts of XXXX and XXXX and acct # XXXX in at the amount of {$4300.00} ... ... XXXX   continues to report 2 charge offs with the same Student loan accounts ... .and XXXX continues to report these XXXX XXXX in the amount of {$2000.00}!!! These accounts are not mine ... .they are FRAUD and they have failed to respond to any of the documents that I have submitted!! I am more than ready to pursue legal action against all involved!! Just look at the big disparity between the 3 reports ... .XXXX  is the only bureau that has done the right thing here!

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 2020-10-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I got my XXXX  Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX  {$10000.00} XXXX   XXXX XXXX {$8900.00}

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 2020-10-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I Wayfair XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX  XXXX CC {$8900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a wire of {$4900.00} using the CHASE app. the money still missing until today. 
The receiver have not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I had placed a previous complaint to LoanCare LLC though this portal. - XXXX Their reply stated that if sent the payments to their office <PDF file> they could process the payment correctly. Additionally, XXXX XXXX indicated they could not process payment correctly unless there are instructions from the bank. As I stated before, sending instructions via EFT process is not possible per the three different banks I called. I changed the name of the biller company, the account number and mailing address to all indicate ifs a regular payment or payment to principal <Word attachment> Per LoanCare response from XXXX XXXX, the mailing address was changed.

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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a visa debit card i did not request from Usbank Reliacard. Date on letter XX/XX/2020. Cardholder services, XXXX. XXXX  XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX. 
And received a letter indicating a change of address requested. 
I have not activated the card. This is the second such card I have received this year.

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 2020-10-06 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: NJ

Complaint narrative:
I have submitted 4 disputes and I am trying to provide documentation to Equifax and they DO NOT ALLOW me to submit this document. NO ONE SPEAKS ENGLISH and you can not understand one person on the phone. I just want to provide the document so my credit report is accurate and the update is taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: RI

Complaint narrative:
'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX, and Experian. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and Experian. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to Experian and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely 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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT CONCEPTS, INC.
State: OR

Complaint narrative:
XX/XX/2018 I baught a car from XXXX XXXX XXXX in XXXX Oregon which Credit Concepts funded the purchase. Less then three months later, there was something that happened to the car that cost less then {$700.00}. While insurance was pulling all my car info, they found that the car had been totaled four times prior. I contacted the dealer to which they said I signed a notice excepting the salvaged title which I did not. Whip city then told me to contact Credit Concepts to which I did. They stated that they confirmed it was a clean title. After sending them all papers about the wrecks it had been in and sent them papers showing repairs the car needed because of the prior wrecks, they still pushed that it was to late to back out and that they would not even take the car back when I told them to repo the car. Over the past year and a half, I have tried to work with this company to no good out come. The have pushed multiple garnishments for the max of 25 % of my income and refuse to work on any compromise. The contract was made under false information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 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: DC

Complaint narrative:
I have tried to get my credit report from annual credit report ; trans union. 
The website refused my request and directed me to call TransUnion. 
TransUnion provided me an error code, and directed me to a further number, which failed to rectify the situation. 
Thus far, TransUnion has refused to provide me a 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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I pulled my credit reports to find a collection from DIVERSIFIED ADJUSTMENT, in which I did not recognize, claiming that I owed a debt for a phone bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I never had an account with this phone company. With this information I sent out a debt validation request certified ( attached documents ), requesting supporting documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly, where I was met by a rude representative that claimed that I would just have to pay the debt for it to go away. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX and XXXX   deleted the account after conducting its investigation. However XXXX stated the account had been verified. I requested a method of verification used by XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/20 I logged into my discover account to find the credit limit on both of my credit cards severally reduced ( over 60 % on one and over 75 % on the other ) with no notice or explanation given prior to contacting the creditor. When I did contact them they stated talking points " from to time we review credit worthiness '' ( and so on ) but ultimately it was due to a collection account that was placed on my record ( which has been disputed ). I have never missed a payment on my discover cards or any of my credit cards/loan payments. I have a flawless payment history yet when a credit agency that is known for deceptive practices places an inaccurate and/or fraudelent record on my account they jump ship like snake oil salesmen after a town is bled dry. 

The detrimental impact is the following : My credit report will now show that a creditor reduced by available credit, if I try and get another credit card it will impact my overall credit rating, and I had XXXX presents for family members already pre-ordered with those cards that can no longer be purchased due to being sold out completely ( one of  the gifts was for an XXXX  servicemen who is currently XXXX  ). 

It's unfortunate that during a global epidemic that this company not only took these actions, but took them against a customer who did nothing wrong ( again, no late payments of any kind ) and their customer service and account specialty department did not care whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
For the past two years, my consumer rights under FCRA and FDCPA have been violated by TransUnion and XXXX XXXX XXXX. I have been trying to have collections accounts removed that have alread been removed by the original creditor.The reports have aged off my report. Both companies cotinue to verify these accounts. How they can do that? They are in violation for reporting incorrect information. These are the four :  XXXX XXXX Acct # XXXX Amount {$910.00} Original creditor XXXX XXXX XXXX. This tradeline should have been removed as of XX/XX/XXXX. I disputed it with all three credit bureaus, and results came back from the other two that as per FCRA, the account had to be deleted since it could not be properly verified. If FCRA says it should be removed, under the law it has to be removed across the board. I am sending proof of the deletion with an old XXXX  report from XXXXWhen I sent copies of this proof to TransUnion, they said an investigation was conducted that verified the account. 

The others are from XXXX XXXX XXXX Acct # XXXX Amount {$1300.00} Original Creditor XXXX XXXX. Account has aged off with the original creditor. TransUnion has a removal date od XX/XX/XXXX. 

Acct # XXXX Amount {$2800.00} Original Creditor XXXX XXXX . Has aged off with original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Account # XXXX Amount {$820.00} Original Creditor XXXX XXXX . Has been removed by original creditor. TransUnion has a removal date of XX/XX/XXXX. 

Numerous requests made these last 2 years for removal with both companies always come back as verified. When questioned, XXXX admitted to using eOscar, an outdated form of verification and not conducting a thorough investigation, which I requested. The resuts usually are that information I did not dispute will change and the tradeline will be updated, usually with a new estimated removal date which is even further into the future. 
To my knowledge, the original creditor sets the date of first delinquency, which then sets the estimated removal date. The date is then set in stone and can not be removed. It is illegal to chang this date. Both companies are using illegal tactics to keep negaive items on my report under the guise of " meets FCRA requirements '' yet what they do actually violates guidelines.

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 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Regional Acceptance Corp reported to XXXX  and XXXX  that I missed my XXXX car payment. 10x I called them n everytime I asked for supervisor I was hung up on.

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 2020-10-06 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: TX

Complaint narrative:
I recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2020-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We went through the preliminary modification process and paid three payments on time and they said the mortgage was modified. 

We have signed and returned 4 modification packages but they will not return our calls. 

We reached out the a 3rd party housing counselor to help. However the Lender will not return their call as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase AARP rewards point program. 

Had this credit card for over 10 years, building up XXXX points. Stop using card in XXXX but kept card open waiting to use for travel because points are worth 10 % more. During covid 19 ( XXXX ), Chase claims to have sent a letter that they are closing the account in 30 days due to inactivity. Never saw it. 

Went today to use the points and they are gone. Card closed. Chase management says nothing they can do since account was closed in XX/XX/XXXX. They took {$1100.00} ( cash value ) from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On my Uber Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been months and heard about this more official complaint channel so I'm going to give this a try. Uber recently said they would give me the {$420.00} back but they have yet to give it back and won't respond to me in anyway. Won't call back. Keeps closing the chats I create.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have made multiple attempts made to make principal reduction to my Mr. Cooper mortgage only to have check returned. This started on XX/XX/2020. 
They have charged me over XXXX dollars in interest and still not addressed the issue. 
These checks where sent in with my monthly statement with specific areas of the bill filled out to reflect extra principle payment to be applied. They continually state in the letter returning check that I have not sent certified funds to pay off loan. 
To be clear this was not a payoff it was a payment with a principle reduction added only not the pay off amount. 
I have spoke to at least 5 people with no resolution. 
Mr. Cooper is scamming people please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: TX

Complaint narrative:
I recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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