vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: OH

Complaint narrative:
CONTACTED XXXX  TRANSUNION AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks  and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2020-06-18 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: OH

Complaint narrative:
CONTACTED XXXX XXXX AND EXPERIAN IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Company Convergent is engaging in unethical and bad faith practices. I made a payment arrangement on XX/XX/XXXX or XXXX and paid XXXX dollars and told them within two weeks -I still owed XXXX dollars. I got multiple letters from them during this two week time frame The one in front of me said I owed XXXX ( incorrect amount dated XXXX after we made payment arrangement and I had already mad a payment ). We had settled for approx XXXX dollars. My second and final payment was to be on XX/XX/XXXX. They turned in my info to the credit bureau XX/XX/XXXX. I paid the rest of the settlement yesterday on XX/XX/XXXX. XXXX XXXX XXXX got info from XXXX XXXX that an account was added. Convergent turned it in before my last and final payment of XXXX dollars. They reported it to the bureau with the amount of XXXX. It is already paid off. The company did not allow the arrangement to be completed before reporting. It should 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 2020-06-18 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: TX

Complaint narrative:
XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TX

Complaint narrative:
XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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 — Card was charged for something you did not purchase with the card
Company: SLM CORPORATION
State: NC

Complaint narrative:
A charge was posted to my credit card account on XX/XX/XXXX in the amount of {$3000.00}. The charge was from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ( Ph. XXXX ). I first saw the charge on XX/XX/XXXX and called Sallie Mae, the credit card issuer, immediately to dispute it and request a new card. I mailed the dispute form the next day ( sending the dispute form via email or fax were not options Sallie Mae allowed ).  Upon discovering my dispute had been processed and the charge was back on my account I contacted Sallie Mae again on XX/XX/XXXX. I spoke with XXXX, a customer service representative, who stated he would return my call once he had more information. He returned my call that afternoon and stated that Sallie Mae never received my dispute form and that they had received a receipt from the merchant with my name and signature. XXXX also informed me that I could send the dispute form again and to call back when I had done so. The next day ( XX/XX/XXXX ) I sent the letter certified ( tracking # XXXX ), it was delivered to Sallie Mae 's PO Box ( address provided to me by Sallie Mae ) on XX/XX/XXXX and to date it has not been picked up at the post office. I then called back to inform them it had been mailed and asked if I could have a copy of the receipt. I was told at that time that I would only be able to get the receipt from the merchant. I called the merchant and left a detailed voice mail and have called 4 other times. Only once was the phone answered and the merchant immediately hung up on me when I began speaking. To my surprise Sallie Mae sent a copy of the receipt to my email on XX/XX/XXXX. The receipt is attached to this complaint. The receipt was signed by someone else and the signature appears to read " XXXX '' and the last name is not legible. The merchant included a note on the receipt that states, " The customer was in my repair shop to purchase an engine. The purchase was for pick-up only. They ( sic ) customer payed ( sic ) for the engine and took the engine with him at that time. '' Upon receiving this receipt, I contacted Sallie Mae once again and spoke to XXXX who stated that even though it was not my signature, it constituted a legal signature and there was nothing more Sallie Mae could do and that the matter was closed. It should also be noted that I do not own a car as I am currently a student in North Carolina and have been provided a car by my parents. I appreciate your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed I received a collection letter from Credit Control , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I bought a plane ticket from XXXX  to XXXX. My flight was to leave right before XXXX XXXX XXXX, when everything shut down due to Covid. When I bought my tickets, I bought a checked bag. The day before my flight XXXX emailed me, and told me to buy a bag for the flight and said I had none, so I bought the bag again. THEN ON THE DAY OF THE FLIGHT XXXX  TOLD ME TO BUY A BAG AGAIN and that I had no baggage available, so I paid for a bag 3 TIMES! Friends called me at the airport and told me they legally couldnt house me as it would shut down their businesses. I tried for over a week trying. To get a hold of anyone at XXXX or XXXX, after waiting on hold for 13 hours  spread out across 10 days, I got a hold of no one, I waited for online chat no one responded, I emailed, no one responded. I filed XXXX  complaints with both of them. XXXX finally responded that they would give me a voucher for the flight. XXXX never responded, and XXXX blamed the bag fiasco on XXXX. As I have outlined with 5/3, XXXX, and 5/3 in numerous disputes. I want the refund for the 3 TIMES BAG CHARGE, and preferably for the flight. XXXX didnt respond after the initial XXXX   response, for over a month and a half. Mid to late XXXX. Due entirely to XXXX tardiness, I could not reschedule to fly out with my work schedule. But I demand to be paid back the full amount of {$150.00} pus tax for all 3 bags these fraudsters overcharged me for the bags. As Ive already told the 5/3 disputes department team- I will change banks. This is their 3rd screw up for me in 7 years. I will drop them tomorrow if they dont respond properly to this. I have already sent them dozens of pages of emails showing how XXXX  over charged me 3 times for one bag THAT I NEVER COULD USE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I had a payment due for XXXX. At this time I had already been in the process of refinancing my home to pay this loan off in full. XXXX XXXX  was my servicer. I have requested payoff information, but they are taking over a week just to get a payoff delaying my refinancing over and over. Every time I call they will say that they have sent what I need, but it is untrue and provable that it isn't true because the information would show up on the online account if it had been generated.The payment I made for my XXXX payment was suspended because I made it at the end of XXXX. XXXX didn't pull the payment from my account until XXXX. The transfer took place on XXXX to SPS and the balloon payment with XXXX is due at that time. The XXXX payment did not get transferred to sps until XX/XX/15 after the XXXX transfer date. Therefore, they are holding it in pending payments and that is preventing me from closing the refinance I have in place. They are forcing me into default. I just want them to apply the payment they already have that has cleared my account. This way I can move forward with my conventional refinance and pay the loan off in full. At first, I thought the transfer happened so they could give SPS the opportunity to refinance the loan, then I was told by SPS that SPS doesn't even do refinances. So, why would they transfer my loan at it's maturity date and cause these issues? It seems like XXXX bank and sps are in the business of trying to take people 's homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Hello, I had a 12-month promotional plan through an Arhaus Archarge Comenity account. I had {$1100.00} remaining balance that I needed to pay by XX/XX/XXXX. Due to the pandemic, and reduced funds, I had to move around money and needed funds to clear. On XX/XX/XXXX, I paid {$1100.00}. Because I was one day late and {$52.00} short, this resulted in a {$1700.00} finance charge! 

I've been a loyal customer -- spent over {$10000.00} in one year, always paid on time and almost always paid more than the minimum amount. When I called the company, they said while they can waive late fees, they're unwilling to budge on the promotional charge. 

I find this charge extremely misleading. I should be able to designate online how much of my payments should be applied to which promotional plans. Instead, the company decided this for me and then charged me an outrageous fee. 

For example, on XX/XX/XXXX ( XX/XX/XXXX statement attached ), I made a payment of {$1000.00}. 

Comenity split up the payment by applying {$20.00} to a promotional plan due XX/XX/XXXX, {$250.00} to a plan due XX/XX/XXXX, and {$720.00} to a plan due XX/XX/XXXX. This wiped out the balance of the XX/XX/XXXX plan when I had 3 more months to pay off the balance. 

If I had been able to designate how to apply the payment, or had they checked with me ( the paying customer ), I would've instructed them to apply the highest amount to the highest balance, which is the plan they later charged me a {$1700.00} fee for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I got numerous harassing phone calls from this company so very rude threaten my credit threaten to go after money that I dont even have and never really even gave me a fair chance but just a threatening phone calls alone scared me and Im a man of integrity and Ill pay my debt one thats due but I will not except threatening phone calls and have my credit impacted by these people they couldnt even talk to me civilly very rude very intimidating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI, INC AT @ T AFNI, inc. 
XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. 

Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report

Company response to consumer: Closed with explanation