vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
A supervisor by the name XXXX XXXX with FLAGSHIP CREDIT ACCEPTANCE approved my 60 day ext XX/XX/20 I emailed him multiple times and he was supposedly not available for 30 days. I was called repeatedly by different representatives saying I was behind when in factuality I wasnt. They failed to update my account consistently. They reported me being late 60 days and Ive never had a late payment and they dropped my credit score 90 points and Im in the midst of buying a home for my family. I have the documents to prove this extension was approved and they sent me a letter saying the update was accurate, this is violation of the FCRA!

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 2021-01-26 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I received my credit reports on XXXX, Notice a negative report sent to collections for the amount of {$360.00}, ( if i hadn't request my credit report i would'nt never known about this ) also reported an unknown address in my credit report. 
I called XXXX to file dispute on XXXX, XXXX asked if i contacted the collection agency shown on report i said not yet, I figured call XXXX first ; XXXX suggested to me to give CMRE Financial service a call and let them know the situation. 
I called CMRE Finan Serv on XXXX and talk to a representative to file dispute on my behalf, I was told the SSN # they had matched my number, I told the CMRE representative the address shown on my credit report was not my address, That I've lived on the same address for over 40 yrs, I told the CMRE representative it was not me ; that it was not my bill ; that I never lived on the address shown in my report ; in XXXX Tx I never received any services on the location shown on my credit report ; XXXX XXXX XXXX, The CMRE representative mention was for services provided on XXXX for a Chest Ex-ray, again I said it's not me you have the wrong person. 
I called again talked to a CMRE representative on XXXX to ask for an update on my case, they said it was going to take some time didn't know how long ; case was still under investigation, CMRE representaive suggested i file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My fiance and I both applied for a card with Citibank and were denied due to the fact that some information could not be verified. We were both told that we would receive a letter in the mail within 10 business days stating the reason why we were declined. However, neither of us have ever received a letter stating the reason for the rejection. We called customer service numerous times and were told that a letter would be sent, but neither of ever received such letter. We recently moved to a new location and felt that it had something to do with the address previously being associated with a business. With this in mind, we sent a letter demanding that the reason for rejection be disclosed to us and also included a copy of our current drivers licenses as well as two bank statements with the current address and our names to prove that it was the correct address. We have yet to hear one word from Citibank.

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 2021-01-26 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX continue to report a collection/chargeoff on the CITICARDS partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc.
State: MI

Complaint narrative:
This account was opened in XXXX and I was made aware of it in XXXX of XXXX when it went into charge off status. I have been going back and forth with this company, sending them police report documentation and they continue to say the account is valid. The address that the stools were sent to isnt even an address I resided at before. I never pursued it much because it didnt have much of an affect on my credit until XXXX of XXXX. All of a sudden the account changed to collection status and it dropped my score 40 points. Now the account is with debtsy, who I have contacted and sent my police report to, but I have been told there is nothing they can do and to contact XXXX. I have repeatedly told the company XXXX that I was not the one who purchased the barstools with my XXXX and main account. I have repeatedly sent them my police report and just a week or two ago I submitted an identity theft report via FTC recommended by Experian credit bureau. I have even offered to pay the amount if they will delete the account. XXXX has just recently sent me an email asking for me to return a filled out form, however, I have been going through the ringer with this company and just want the fraud account removed. I am attaching the communication from debtsy and XXXX. As you can see with debtsy I have attempted to have them investigate numerous times last year.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.

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 2021-01-26 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to Transunion requesting evidentiary documentation to verify an existing debt with multiple companies. Transunion failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.

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 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 Bureau of Med Econcs added XXXX derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a WRITTEN signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Bureau of Med Econcs has violated my rights as a consumer and I'm requesting legal action to remove the account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony did not confirm with me that they moved my account to e-billing.

My wife became XXXX and I was in the XXXX with her for almost a month. My wife almost XXXX  from a severe case of XXXX caused by an unknown XXXX.

After returning from the XXXX, I quickly got our finances in order.

I found out a few months later I had a balance on a synchrony account I opened and they reported the balance late. I asked why the billing was done digitally and the representative told me I consented. I asked for proof which they couldnt provide.

I was close to closing the account but realized I had established cash rewards which the rep threatened that if I closed the account, I would lose all the cash rewards.

I paid the balance and after a long XXXX XXXX, finally emailed the office of the president. They insisted they wanted to address the matter and asked I call them. I tried calling multiple times and emailing, but after a few emails of acting like they would reconcile the matter, they stopped responding and never replied to my calls and emails.

To this day, it is the only negative mark on my credit. Not only did I not give consent to the e-statements but they used the cash rewards to threaten me to not close the 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 2021-01-26 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: VA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On Monday, XX/XX/2020 at XXXX, I received a text message from American Express `` Serve '' Card advising that my account balance had fallen below {$10.00}. I had not used the card for a few days and was immediately concerned. I called Serve as soon as possible at XXXX that same evening. The representative I spoke with was dismissive and advised that there was a charge pending on my account for my entire account balance of {$100.00} to XXXX of XXXX, NJ. I advised the representative that I had not shopped at XXXX, never been to XXXX, NJ, and that the only card was safely in my possession Virginia with no others authorized to use it. He advised that because the transaction was in a pending status I was required to wait eight days, call back and only then would an investigation be opened. He refused to close the account or take any protective measures to ensure no additional charges would be forced through. 

On Monday, XX/XX/2020 at XXXX ( 8 days later ), I called Serve. The charge had posted and I was finally able to initiate a fraud investigation. I was advised by the representative that it could take between 10 and 30 days to complete. I was told not to call back to inquire, but instead wait for an email determination letter. This representative refused to close the account, but canceled the compromised card to prevent any further charges and issued another card. I advised the representative of the following to include in the fraud investigation : No one I know traveled to XXXX NJ and made purchases as at this XXXX store I have never been to XXXX, NJ or to this XXXX store I have not shopped inside of a XXXX store since XXXX of 2020 All of my approved orders with XXXX are made online and picked up at my local store All of my valid orders with XXXX are made with my business Visa credit card My XXXX  card is only used for fast food purchases, gas, etc. 

After receiving an email from XXXX  on Thursday, XX/XX/2020, advising me that my dispute for the charge in question ( {$100.00} ) was declined ; I contacted XXXX directly. The representative I spoke with reviewed my previous orders with me and was unable to locate any orders for the date or amount in question. She advised that the only way I could have made a purchase at this store is if it was shipped. There is no record of any shipments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had made a few purchases at XXXX with my 5th/3rd debit card that showed cancelled but the transaction was still pending. 

They assured me that the money would go back on my card once the transaction was no longer pending. But the money is still not returned to my account. 

I filed a claim to get my money back but they say it may take 100 days! 

Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PAYPAL IS HOLDING MY MONEY AND WILL NOT LET IT GO. I NEED THESE FUNDS IMMEDIATELY FOR BUSINESS USE. 
IVE CONTACTED THEM SEVERAL TIMES AND THEY WILL NOT HELP AND GIVE ME A COMPLETELY DIFFERENT ANSWER THAN WHAT IM NEEDING HELP WITH CAN NOT REACH THEM BY PHONE TO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XXXX, 2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: VA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my 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 explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Transunion should not be reporting me as an authorized user on the XXXX XXXXXXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
I thought entered into a consumer credit transaction with Comerica a few years ago. However, it seems I was deceptively lured into a consumer credit transaction with XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter over three week ago. I am yet to receive a response back about this correspondence. XXXX XXXX XXXX took monthly cash payments for a credit card I used for consumer credit transactions which included finance charges. I am curious to understand why they would do this? Attached is my debt validation letter that was sent and received/ signed for at that specific address/location.

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