vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is such a simple fix. Experian is the only credit report that needs to be updated showing no lates. Makes no sense why XXXX XXXX changed the status almost a year later after it was corrected by XXXX XXXX. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if XXXX XXXX would like to avoid that? 

Thank you, 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is incorrect information on my credit report as well as a fraudulent account.

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 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
In XXXX of XXXX I took out a Title Loan on my XXXX XXXX XXXX. After failing to make payments, my car was repossessed. I paid nearly XXXX and my car was returned to me. I again fell behind in payments in early XXXX and attempted to make a deal with the Title Loan Company, LoanMax. They agreed to a {$500.00} settlement. I told them I would need at least until XXXX to make this payment. Halfway through XXXX my car was repossessed. I called LoanMax and was told it would cost {$900.00} to get my car back and was provided a number where the vehicle was being held. I called that number but was unable to get any information. Then, the pandemic hit. I called both LoanMax and the number they provided for days on end and no response. 

Fast forward to yesterday XX/XX/XXXX. I received a letter in the mail stating that my vehicle had been sold and I was due the overage amount as a refund, {$2200.00}. I contacted the company, Select Resource Management as they letter stated and was told it will take 120 days for me to get my refund via certified mail. This is outlandish and unacceptable. 

Reviews of the company via XXXX show that many consumers don't get their refund in that 120-day window and some have never gotten it. I don't want to experience a similar situation. The vehicle was sold at auction on XX/XX/XXXX, Select Management Resources was paid and now I want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX  XXXX XXXX {$21000.00} 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX XXXX XXXX {$21000.00} 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 2020-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Applied for a line of credit from Comenity Capital Bank issued for XXXX XXXX ; first my credit score is higher then stated on the denial letter ( XX/XX/XXXX ). I check my report daily. My next door neighbor got approved through this same banking industry a few months ago and I was denied and we are almost equal on our credit reports. I know because I viewed her report with my own eyes before I applied for my line of credit. Even my salary is a bite higher then hers. I know because I am coworker ( XXXX XXXX XXXX ), she started XXXX, I started in XXXX. The only thing that is different is RACE. She is XXXX  and I am XXXX. 

I have paid of cars, credit cards, and other loans not posted on the Credit reports. Paid off one or two of them twice because the companies kept selling them off. I have been voting since the age of XXXX and I know people that don't vote or pay taxes credit score higher then mine. The scoring system is out dated and need to be revamped. For hard working citizens like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: GA

Complaint narrative:
I do not have an account with or even know who XXXX XXXX is but they have a collection debt on my credit report. This is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: WA

Complaint narrative:
Hello, After reviewing my Credit Report, there is some of inaccurate information reporting on my credit profile. I had reach out to creditors as well as the 3 Credit Bureaus. And there was been no response. The Creditor sent a Transaction Report, and those transaction were not mines. I'm a victim of identity theft. I also reached out to Credit Bureaus over a month ago with no response. I'm asking for these items to be remove that does not belong to me. 

See attachments Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2019, I bought tickets for four passengers from XXXX XXXX, for a XXXX XXXX XXXX  flight from XXXX to XXXX. I made the purchase using XXXX  gift cards. On XX/XX/XXXX, I received the attached email from XXXX  that confirmed the ticketing for the four passengers. On XX/XX/XXXX, I called XXXX  to pay a {$16.00} fee for seat selection on one of those tickets. I provided them the number for my PenFed credit card over the phone to pay the seat selection fee. The next month I received my PenFed credit card statement, which revealed that XXXX had charged me again for three of the tickets I had purchased in XXXX, costing {$48.00} each ( totaling {$140.00} ). I never authorized XXXX  to use my credit card to buy these tickets, which I had purchased two months earlier using gift cards. I immediately contacted XXXX, but they refused to correct the error and instructed me to contact my credit card company to dispute the charges. I contacted PenFed in XXXX to dispute the charges. PenFed has since tossed the complaint back and forth between their fraud departments and dispute departments, each one claiming the other was responsible for handling the dispute. PenFed has yet to resolve the dispute.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used my Costco Anywhere XXXX Card by Citi to purchase the airline tickets from XXXX Airline with amount of {$3300.00} in XXXX XXXX, 2020. Due to coronavirus pandemic, my flight was cancelled and XXXX has refunded the full amount back to my credit card on XX/XX/2020. I also receive an note from Citicard on XX/XX/2020 to confirm a permanent credit of {$3300.00} has been applied to my account. But for unknown reason, the same charges was billed back to my account again in end of XXXX. I call and dicuss the question with Citicard customer service/dispute department and request to remove the charges as it should be. They promised to put into investagtion and solve the problem ASAP with confirmation letter on XX/XX/2020. From then, I try to contact the credit card company many times to find out the status/updates but no solution at all. They only ask me to wait for their investgation result. Now it has been XXXX monthes passed but the charges still remain on my account. Please help!

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to issues with the Transition website on XXXX XX/XX/2020 which the service rep could not resolve I ended up purchasing their 3 Bureau report because I needed a copy right away for a business lease. I was not able to print it out and was informed by another rep the {$30.00} dollar report I purchased was only available for viewing online and not printable. She also informed me I could have looked at it for free as part of my subscription I've been paying for for about a year. 

Non of this information regarding the printing was XXXX available during the purchase. I couldn't review anything due to technical difficulties on their website and they refuse to refund the {$30.00} for the redundant report I purchased. 

So essentially I have paid Transunion about {$150.00} for a free credit report I can't even print out and they flat out refused to work with me on a fair resolution. 

Horrible business ethic on their part.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is incorrect information on my credit report as well as a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX   XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when Shell Point too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid XXXX now. 

On about XX/XX/XXXX Shellpoint took over, from XXXX. The letter from XXXX XXXX bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from Shellpoint they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about XXXX a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low XXXX XXXX from high XXXX XXXX XXXX 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AFNI INC.
State: TX

Complaint narrative:
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is an addition to complaint # XXXX. The complaint has not been resolved and another demand for payment has been sent with additional charges. 

The original complaint : FTC complaint against Bank of America - submitted on XX/XX/XXXX In XXXX of XXXX XXXX  cut my sales position with the company and asked I return the company charge card to XXXX XXXX. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card. 
I request that the bank provide me with a zero balance due and remove me from any negative credit reporting.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am not certify the way that big company came out with there final results the why 1.It is true that the Address, Id, phone number, is main but during the process of me to get the TD BANK/TARGET CREDIT the company have to call the number and make sure that their are issuing the credit card to the right person if you make a call I will answer the call since I am holding my cell phone at hand right in-front of you or I may answer you from far away since I am not the right person .did you do that? 
2. Try to check my credit payments 3. I have never ever used store credit card except XXXX credit card 4.Also I want to know how many times I used the credit card for purchases 5. How long do I pay the the card.

Company response to consumer: Closed with explanation