vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am having problems with the credit card company not communicating with me the status of the complaints. They have removed my access from being able to see my account online and also made it impossible to get a clear understanding of what is happening with my account. 

The company has opted to accuse me of breaking a rule and cancelled my card which was due to packages being stolen and a police report was filed. The purchase was from XXXX and they made on big order into close to 10 to 12. Due to the items being taken or not delivered I requested assistance. 

The credit card company has made a determination now that is harming me from seeing the statements online and being able to review what is happening. This action is not only wrong but it places me in the blind as to what is happening with my account. They know that I am XXXX and this further causes problems for me. 

They have been very difficult to deal with and I have requested more information.. I want the information to be available online as I have paid my bills and should not be blocked.

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XXXX XXXX XXXX 2019 I used my debit card for a purchase and was denied. After investigating I found there were several hundred dollars of charges made to my debit card through my XXXX  account, they are linked. I spoke with a CSR at XXXX and her supervisor and was told they would not reimburse me the money because it appeared that the charges came from my phone. I have NEVER purchased in game apps before but was told that this was why. I then called my bank, Regions Bank and filed a dispute. On XXXX  XX/XX/XXXX, I received a letter from Regions essentially saying the same thing XXXX did. They said that since it was through XXXX I should have filed a police report saying that my card was lost or stolen, even though I always had it with me. I have also never filed a dispute before. Now ( because of returned check charges I am almost XXXX XXXX dollars in the negative. I am a single grandmother raising XXXX small grandchildren alone. Next week when my paycheck is direct deposited it will all be gone as the bank said it is my responsibility to bring the account positive. When this happens my entire check will be gone and we will have no money for food or gas for my work. Yesterday I visited the branch and came out incoloble after being told again, that they could not do anything else for me. I do not understand how this can be ok or legal..

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 2020-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I had an issue of fraud checks being posted to my bank account and was not knowledgeable on how to go about the process of clearing things up. I am now aware of the steps to go about getting a proper investigation on this incident and I cant get any direction on who to contact from the financial institution. They dont have much documentation anymore about the case and Im on hold with customer service all day long while they continue to look for more info I would like to clear up the issue to be able to bank with this institution again as a US Veteran, but I am given the run around while I really appreciate all this institution does for service members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was a purchase on XX/XX/XXXX for {$1400.00} which was returned. The creditor, Lowes / Synchrony bank has admitted that the original charge promotional balance was incorrectly credited and debited over a period of four months following the original transactions. I disputed their remedy for the final correction on XX/XX/XXXX. I asserted that I have a right to a Statement of Account for all charges which are owed in a date range from XX/XX/XXXX to XX/XX/XXXX. I was told to look the statements I am disputing? I called and found out additional details and got on a recorded call a Supervisor admitting that they had made errors in applying my promotional balances, credits and debits. I asked again for a Statement of Account showing all charges, credits and debits. I asked the creditor prove that the debt currently showing on my account is correct. I was refused by not getting a direct yes or no answer. My complaint is that there are transactions where my money paid was moved that I am not being shown and Lowes Synchrony Bank has failed to disclose exactly how the errors were made and that corrections made were true and accurate. Thus my overall balance owed may not have been true and correct.

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 monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014 for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.

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 explanation
Consumer complaint received 2020-01-15 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: SC

Complaint narrative:
I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON EQUIFAX, XXXX  AND XXXX. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive received a letter back on XX/XX/2019 from Equifax asking for additional info of my identity for my credit dispute letter when Ive already sent them a copy of my Drivers license and Social Security Number. And I even got my letter notarized for {$10.00}. Now I just sent another dispute letter with the same identification info with another notarized for {$10.00} and an additional letter stating that I will report them for stalling my disputes. I believe its a stall tactic that theyre playing with me I dont take it lightly. I did not make a copy or photo copy of the letter I sent but I do have the letter format saved in my documents. But also I do have the receipt of the notarized letters. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete ; forms did not include a payment and delinquency history, lease agreement was not in its entirety, no verification of eviction process being filed was received and documented fees are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2020-01-15 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 applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I would like to request the CFPB help with a debt validation matter with Portfolio Recovery Associates. While reviewing my personal credit reports I noticed them listed and began investigating. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation to Portfolio Recovery Associates requesting they provide competent evidence that i have any legal obligation to them for an alleged debt they're reporting I owe. I was very specific in the information I wanted to validate, as well as to allow 30 days for processing after I receive the information back from them. On XX/XX/XXXX my affidavit was received by Portfolio Recovery Associates. On XX/XX/XXXX, I first received a correspondent dated XX/XX/XXXX with the alleged original account number, last 4 digits of SSN, the date this alleged account was opened and a statement to contact them if I would like to receive a payment history of payments. A few days later, XX/XX/XXXX, I received additional correspondences { also dated XX/XX/XXXX } that included a computer-generated letter from the alleged original creditor, alleged billing statements that does not even include my full name ( XXXX XXXX XXXX ) and a " statement '' that this establish its validity. I have since sent an another letter { XX/XX/XXXX }, requesting additional information as I DO NOT believe that have validated their claim, it was received by them on XX/XX/XXXX. I am writing to you due to their non-compliance, as I strongly believe they are in violation of the FCRA and I fear that they may outright refuse to uphold the law. First, they have continued to send invalid information to the credit reporting agencies during the validation period AND with a statement " Subscriber reports dispute resolved - consumer disagrees ''. Who resolved it? Reporting on a debt that has not been validate is a violation of the FCRA. Second, they have not demonstrated through compliance they have legal grounds to seek from me this alleged amount they claim I owe. The letter for the alleged original creditor is not signed therefore it can not be authenticated to be certified under testimony to be true and accurate. Third, there are two different amounts for this alleged " balance '' on the correspondences they sent. The unsigned letter from the alleged original creditor shows a balance at time of sale of {$8100.00} and the correspondence from Portfolio Recovery shows a balance of {$8100.00}. Which is accurate? Additionally, the two statements dated, XX/XX/XXXX with an alleged balance of {$6900.00}, the other dated XX/XX/XXXX with an alleged balance of {$8100.00} - how did it go from {$6900.00} to {$8100.00}? I have attached documentation for your review and respectfully request HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.

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 2020-01-15 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 applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.

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 2020-01-15 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: SC

Complaint narrative:
I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON XXXX, XXXX AND TRANSUNION. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: PR

Complaint narrative:
In XX/XX/2019, I received a letter from the company States Recovery Systems , Inc., of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from XXXX XXXX XXXX of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in XXXX as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with XXXX XXXX XXXX who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC
State: TX

Complaint narrative:
Betterment offers investments and a savings and checking they advertise 1.82 % pay and I had {$30.00} and {$10.00} deposited on the 3rd. They say interest calculates and/or compounds daily. I was only issued XXXX cent of interest. I have other savings accounts where I had {$20.00} with 1 % interest rate at competitor banks and received. XXXX. It is an unfair practice that they are not advertising the actual rate. I have many savings accounts with different banks. This just doesn't come out accurate. And doesn't calculate to the near XXXX or XXXX cents monthly for an annual basis. APY

Company response to consumer: Closed with explanation