vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 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: LA

Complaint narrative:
XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance

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 2021-10-24 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: LA

Complaint narrative:
XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am a service connected XXXX veteran at XXXX XXXX. I have a VA loan at 2.6 % I asked XXXX XXXX  XXXX for a cash out Refi and then refused the deal because it was a bad deal. I applied for co-vid forbearance prior to this and it was paid in full but asked for an extension and it was granted until XX/XX/2022 by the mortgage servicer PHH. Since asking for the extension they transfered my loan to another service provider and then are demanding payment in full and tacking the next months payment into the last statement a week before it is even due as well as 2 phone calls asking where is all the money. I have the forbearance letter from PHH and and I had a plan to catch up the payments within that time frame given although it is supposed to be longer. This company is running a scam! I have contacted the VA and also going to file with the state and US attorney General!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/1993 No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I made an order on XXXX XX/XX/, order # XXXX, which was charged to my XXXX XXXX credit card for {$59.00}. The item wasn't received, so I worked with the merchant and they were unable to do anything due to it showing as delivered by XXXX. They informed me to contact my credit card issuer, so I did. XXXX XXXX sent me the dispute paperwork and I uploaded it on XX/XX/. I had called in in XX/XX/XXXX  to check on the status and was told they were backed up with many disputes, so I waited. I messaged in through my online banking with XXXX on XX/XX/XXXX  explaining the dispute, timeline, etc. and received a response from XXXX XXXX to call the customer care team. I reached out to them the same day, XXXX, and was told the dispute was still being worked on and I'd have an answer/update within the next 30 days. 

I'm now past the 90 day mark for them to have resolved the dispute. I just got off the phone with XXXX and was told they are unable to help me and to call back in Monday morning at XXXX to see if they're able to assist. I feel like I'm getting the run around and really just would like credit for the item that wasn't received. At this point, it's not so much about the money but just the fact that I've been told several times that it is being worked on and I haven't had any follow up from XXXX other than when I have inquired.

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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a target credit card many years ago. I was going over my credit report with my XXXXnancial advisor. We agreed that {$37.00} dollars was a petty charge-off and I should have paid it a long time ago. When I contacted the XXXX customer service line the representative informed me the report was inaccurate. She said a part of the payoff agreement was any late fees would be waived. She said the fees had never been waived. Target has contributed to the obstacles I have faced while trying to re-establish myself after a traumatic experience. I asked if I could have some type of confirmation of what we discussed, she told me that they didn't have a way to give me any confirmation that my account was paid off four years ago. The rep told me the pay-off will be reported the next time the company reported to the credit bureaus. 

I have tried to contact Target RedCard, but I can not get past the part of the automated system that asks me to dial my card number and press pound. I don't have a card number. I do not have an email address that works for me to reset my password to access my account.The carelessness of how my account was handled makes me feel like I was a victim of name and race discrimination by one of my favorite retail places.

I just spent {$200.00} in Target for house supplies and my XXXX XXXX XXXX effort to support pet abuse in the past week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-24 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: LA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/XXXX No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24 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: LA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

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 2021-10-24 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: LA

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX I have submitted various disputes stating identity fraud and my police report. Credit agencies still have not deleted inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I exercised my right as a consumer and Capital One has done an adverse action because I exercised my right as a consumer, see attached document. Capital One is in violation with this letter sent on XX/XX/2022 pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. They are scaring me with threats to pay by a date that is unrealistic. I am aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). I am aware that billing errors are also defined pursuant to 12 CFR 1026.13 ( a ) ( 1 ) a reflection on or with a periodic statement/remittance/dividend of an extension of credit that is not made to the consumer. Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) A reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( 5 ) a reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will be proof Capital One acted without care, good faith, and has indeed performed illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received a correspondence dated XX/XX/XXXX from Continental Service Group attempting to collect a debt in the amount of {$1700.00}. I immediately responded with my own correspondence disputing this alleged debt due to the fact that I had never been notified prior to the correspondence dated XX/XX/XXXXXXXX  that was previously mentioned. In my letter I requested verification of the alleged debt. I received a reply correspondence that did not verify any debt at all, but only claimed that this alleged debt was placed with their office on XX/XX/XXXXXXXX  ; that's almost three years ago. Another question I would have is why was I never contacted in nearly three years? I had no prior knowledge of this alleged debt up until the recent correspondence I received dated XX/XX/XXXX. This appears to be a form of gross negligence on the part of staff at Continental Service Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
Got a call from XXXX XXXX XXXX XXXX regarding an account I had with XXXX XXXX in XXXX, MA. This call was received on the XXXX of XXXX, XXXX. The caller would not let me talk, stated his name was XXXX and he was the manager of the operations division. Stated they sent a letter out in the mail regarding my debt as well as tried to reach out several times regarding it over phone, which my records can show has not occurred. I cancelled this membership in person, as well as sent a letter in to XXXX  XXXX  cancelling. I should not be contacted regarding this as I have already cancelled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My card number was used on someone elses insurance policy one time. However, it was signed up for auto-pay. I was told by a representative that no future transactions would go through from the merchant ( XXXX ) but it did again in 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 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
18 months ago I submitted a {$500.00} deposit to Citi Bank for a secured credit card. I was informed that after 18 months my account would be reviewed for an unsecured account and my {$500.00} would be returned to me making my account unsecured.So the 18 months was up on XX/XX/21 of this year, I con Citi Bank to get the status and was informed that they would keep my {$500.00} another 12 months as a secured account, and I maintained my account for 18 months they claim the account was late once but it had to be me paying the account after a certain hour of the day and it got credited the fo day but never ever days late.They never explained to me that this could happened I was told 18 months. My credit is good so it couldnt have been based on that.I feel like they are discriminating against me for making this decision and feel like they will retaliate against my credit fir filing this complaint against them.

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 2021-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE Group keeps sending me collection notices in the amount of {$170.00} since XX/XX/2021 The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I saw an offer for the Amex XXXX XXXX XXXX offering a 0 % introductory rate for 10 months and XXXX bonus points after spending {$4000.00} within the first 3 months. After applying, I noticed that the introductory interest rate was not mentioned. I immediately called and could not get through to anyone. I started an online chat. I told the representative what had happened and he told me I was given a different offer, with no introductory interested rate. I explained this is not what I signed up for and he transferred me to a " supervisor '' who said the same thing and refused to honor the offer that I had signed up for. I asked for the card to be canceled and not sent out as this was a bait and switch tactic. Now I have an inquiry on my credit for no reason. Amex should not be able to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: FL

Complaint narrative:
I, the consumer, have attempted to resolve this issue with Experian for several months. Experian continues to say that these items are verified. Because Experian did not uphold their grave responsibility to me, the consumer, to ensure I have a fair and accurate consumer profile, I reached out to the company in question directly. I have proof from the USPS that the account they claim has been verified, doesn't even exist. Please explain how an account can be verified when the postal service can't even locate the company in question. I have attached the return to sender notice. Even if this account did belong to me, Experian is allowing inaccurate information to be reported on this account. This is now harassment on behalf of Experian. For months, I have asked for proof in accordance with 15 USC 1681g - Disclosure to consumers. Nothing has been sent by Experian providing proof. I have sent Experian an affidavit via registered mail and still, Experian has not removed this random account. I am asking for the removal of the account that Experian can't verify and is reporting inaccurately.

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 2021-10-24 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: NC

Complaint narrative:
Trans Union has been charging me {$24.00} per month to be a paid member of their credit reporting services. Trans Union has done nothing but take hundreds of dollars in my hard earned money. After reading and reviewing my Trans Union credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. 

Being a paid member I have requested by telephone from Trans Union to refund me all of my money that I have spent and they refused to refund me anything. I am unable to open any online disputes on the Trans Union website, I had to print out my Trans Union credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Trans Union. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Trans Union.

I am demanding that I receive a full refund and my Trans Union credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.

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 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
Zelle decides that its system has made me ineligible in the standalone app without giving any further explanation. Furthermore, Zelle has no provisions in their terms of service that I previously agreed to that allows them to render me ineligible to use their services especially since Zelle was unable to furnish any reason for the ineligibility claim other than that their system had determined that I was ineligible, and that there " was nothing that they could do about it. '' I have given them multiple opportunities to allow me to provide additional identification, yet they have refused. If the CFPB is unable to assist me in finding a resolution to the issue I have just identified, then it may be necessary to settle this matter by exercising my right trial by jury, as I have not entered into an arbitration agreement with Early Warning Systems, Zelle, or any of its affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding refuses to validate the debt. Several attempts were made to validate this debt and they refuse to provide or investigate anything. I was never given initial notice of this debt before it was listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
According to the statue of limitation, in Arizona, the collection agency listed below posted an invalid account on my credit report of {$1000.00} on XX/XX/XXXX regarding a loan with Allied Cash Advance based in XXXX Arizona. I haven't lived in Arizona since XXXX, which clearly discredits the account that was wrongfully posted on my credit report, and in violation of the unfair debt collection practice which has a limit of six years. 

The reporting collections Agency is XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Contact ( XXXX ) XXXX

Company response to consumer: Closed with explanation