vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/2019 I reported the following unauthorized charges on my Direct Express MasterCard Depbit card by phone. 

XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$2.00} XX/XX/2019 XXXX XXXX  XXXX, XXXX, CASH PURCHASE {$71.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$3.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$100.00} XX/XX/2019 XXXX XXXX  XXXX  XXXX XXXX, INTERNET, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$1.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$61.00} There are 10 separate charges in the total amount of {$390.00}. 

I also submit two written notifications. One as instructed by Direct Expressed and another written by myself. Both, were submitted  within the 10 day requirement per Direct Express instructions. 

On XX/XX/2019 Direct Express made the following adjustments to my account balance. 

XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$71.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$3.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$100.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$96.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$1.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$61.00} There were 8 separate credits in the total amount of {$330.00}. Which left an outstanding balance of {$56.00}. I was also charged for a replacement card in the amount of {$4.00}. As well as a fee for expedited delivery of my new card {$13.00} This new card was sent out in an expedited manner because the first replacement card never arrived. I was under the impression that there would be no charge. 

On XX/XX/2019 the following unexplained charges in the total amount of {$3.00} appeared on my card account. 

XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} All told the outstanding balance suffered by me personally for unauthorized fraudulent charges on my card is currently {$76.00}. 

When I phoned in to originally provide notification of the above unauthorized charges I was told that I would only be able to dispute 5 of the charges because the others were still pending. The charges that I was told I could dispute did not correspond to the charges that were presented on my online account. I objected. But, my objections were dismissed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from debt collector XXXX XXXX to inform me that they are servicing an account that is owned by XXXX XXXX XXXX XXXX, XXXX with a balance of {$9900.00}. The letter states that unless I notify their office within 30 days of receipt of this letter that I dispute the validity of this debt they will assume this debt is valid. The letter does not state that I owe this debt nor does it state that I am the owner of this debt. I sent a response letter to XXXX XXXX via certified U.S. Postal Services on XX/XX/XXXX. In the response letter I formal dispute their claim and I requested that XXXX XXXX provide me with validation, that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them or XXXX XXXX XXXX. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX placed this account with them for collection. I was given another 30 days to dispute the claim. So, I sent XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating that this account has been placed with them for collection by XXXX XXXX   XXXX.So, I sent XXXX XXXX XXXX XXXX XXXX a U.S. Postal Service certified letter on XX/XX/XXXX requesting validation of their claims. I have not received a response to my request. 
I sent another letter to XXXX XXXX on XX/XX/XXXX as a third attempt requesting validation of all accounts of their claim. No response received. 
On XX/XX/XXXX I received a court Petition from the State of Texas saying I am being sued by XXXX XXXX for breach of contract in the amount of {$9900.00} plus attorney fees of {$3300.00}. In each letter I sent to the above parties I stated that failure to receive their response within 30 day of receipt of my certified letter may result in small claims legal action against their companies at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices section 807-8 and violation of the fair credit reporting act section 623-b.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: CL Holdings LLC
State: IA

Complaint narrative:
Jefferson capital keeps calling I ask them to send me something bearing my signature and to cease all calls until I receive something with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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:
These accounts have absolutely NO MERIT and I have been the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts and FURNISH A BLOCK under the 605 ( b ) FCRA 2009. I have also been in contact with the Attorney Generals Office of California XXXX  XXXX  who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX  XXXX XXXX {$25000.00}, {$4000.00} deposit related accounts. I have never opened any of these. XXXX  has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same. 


Failure to furnish a block and cease and desist all reporting of these accounts is a violation of my federal rights. I am in talks with the Attorney General of California - XXXX  XXXX  in this matter, and have filed a FTC Theft Report and a XXXX XXXX County Police Report. 

These accounts are the result of fraud. 
- XXXX XXXX XXXX {$25000.00} - XXXX  XXXX XXXX {$4000.00} This is a letter to cease and desist all reporting activities listed under the FCRA 2009 ( 605 ) ( b ). 
Also ; I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are ; Inquirer name : XXXX  : inquiry date : XX/XX/XXXX. 
XXXX/XXXX  XXXX OF : XX/XX/XXXX. 
XXXX  : XX/XX/XXXX. 
XXXX XXXX XXXX : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/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 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I've contacted Navient Student Loan requesting a lower and more affordable monthly payment, but my request have fallen on deaf ears. The company is wanting me to make a monthly payment of {$1500.00}, which is completely unattainable. {$1500.00} a month is more than 70 % of my monthly income. I explained this to the representative and asked if there was an income-based payment program I could participate in, but I was told that was not an option. I'm completely out of options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Identity Theft

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Green Bay, Inc.
State: WI

Complaint narrative:
After this debt was paid, I called the company, Finance Systems to make sure they will remove this. They told me that they will report this on XX/XX/XXXX and it is not showing it. I have their receipt that they mailed me to show that this debt is paid off. 
This company is know for its tactics and dragging their feet once debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I have never missed a payment and have always paid before the next payment was due. There is no where on the statement that states BMW reports on a rolling 30 day reporting. 
XX/XX/2019 was paid XX/XX/2019 XX/XX/2019 was paid XX/XX/2019 I was reported 30 days late for my XX/XX/2019 auto payment on XX/XX/2019 and I couldn't understand what happened. I disputed it and it came back no change. On XX/XX/2019 paying my XX/XX/2019 and was told that I was already reported to the credit bureau as being late because they reported on a rolling 30 days and not month to month. I called back and spoke with another representative who told me the same thing and that I should read my statement and it states that BMW reports on a rolling. I read my statement and it doesn't read as such. I am disputing the two times late payments with BMW.

If they are reporting on a rolling 30 days it should clearly state such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I called XXXX to inquire about the account of my deceased husband, M.F. SS # ending XXXX. There was an account with XXXX XXXX. It shows as a delinquent account on my credit report. 

When I reported my husbands death to XXXX XXXX XXXX, I guess they were representing Bureaus Inc. But I really don't know who is representing who, I was informed that I would not have to pay. So the account was closed and sent back to Bureaus Inc.,  When I called XXXX XXXX the told me to contact Bureaus Inc.  When I got in touch with someone they told me to call XXXX XXXX XXXX. I was able to write and send an email on XX/XX/2019 to Bureaus Inc and I have not heard anything from them. 

I heard from XXXX XXXX, and they stated that they do not have the account. 

My goal here is to clear my name from this account as paid in full or have it taken off of my credit report. XXXX  XXXX said they don't have the account, XXXX XXXX says they do not have the account so now it's on Bureaus Inc. 

Please clear my name from my deceased husband 's account from XXXX XXXX. Acct # ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: VA

Complaint narrative:
I've sent Transunion LLC several letters disputing accounts : XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX as either inaccurate, inconsistent, or unverifiable and they will reply back stating " verified as accurate ''. Each letter I asked they provide me with reasonable procedures and proof of their investigation. According to the FTC and FCRA, the credit bureau have to tell me how you verified the accounts and Transunion is not following the law when asked.

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITY NATIONAL BANK
State: DE

Complaint narrative:
I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Enhanced Recovery Co LLC reported to XXXX  Credit Reporting Agency that I owe {$920.00} dollars and they are collecting allegedly  for XXXX. It is against FCRA to report inaccurate information to any credit bureau without proving that the account belongs to me by providing original documentation that the debt in fact in deed belongs to me. So, it is illegal and a violation. No one called me to discuss this account. It is the case of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: Innovis
State: OH

Complaint narrative:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2019-11-14 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: FL

Complaint narrative:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief