vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-03 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-02-03 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 am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from 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 non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: IN

Complaint narrative:
This account has been paid by our title company in our home sale. This is not owed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
Citibank Double Cash Credit Card did not help in resolving the dispute that was made for transaction of {$200.00} on XX/XX/2019. This was made for XXXX website which hosted for XXXX training and placement agency on XXXX. 

After the first introductory online class with them I found out that they lack co-ordination and not willing to provide any training material of any sort and they are not very competitive and have little to no knowledge so I decided to cancel my enrollment and asked for full refund amount and contacted Citibank but they did nothing so far and today wrote a letter stating they can not resolve this dispute in my favor. 

I have all the rights under consumer protection to get full refund if I had not use any services or buy any products which apparently Citi failed to protect my rights.

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 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The past few months have been incredibly difficult for me. I saw these accounts on my credit, and I do not know what an LVNV funding is or why it's on my credit. I read the FCRA and learned that I have the right to dispute the account and request verification. I have many times now, requested said verification, which I still have not received. I have however received threatening phone calls from agents of the company. I have asked them several times to cease telephone communication and to send me information by writing, which they have refused many time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: AK

Complaint narrative:
This is a continued complaint with Experian. Experian has sent ANOTHER credit report to me with the SAME information about XXXX saying the have investigated a dispute and updated my report, ( which is EXACTLY the same ). XXXX was included in a Chapter XXXX bankruptcy in 2018. I AM NO LONGER responsible for ANYTHING to them, and XXXX  knows it. They no longer report to XXXX XXXX OR XXXX, but for whatever reason, EXPERIAN has CONTINUED to allow them to report that payments are late. Payments CAN NOT be late and HAVE NOT been late as it was DISCHARGED. I don't know HOW MANY TIMES I have to continue to DISPUTE THIS until EXPERIAN LISTENS. I am including the DISHARGE papers. XXXX  and EXPERIAN are breaking EVERY law about Fair Credit Reporting by continue to show late payments on something that a JUDGE says I am NO LONGER RESPONISBLE for and haven't been for 2 years!!!!! I don't know how much plainer it can be!!!!!!!!!!!!!!!!! PLEASE take this seriously and put and end to it once and for all!!!!!

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 2020-02-03 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.credit acceptance {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX XXXX XXXX {$910.00} date open 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 explanation
Consumer complaint received 2020-02-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The XXXX XXXX XXXX advertises you earn 2x points at Restaurants. I charged {$150.00} at XXXX XXXX in XXXX XXXX, FL on XX/XX/2020. I was only awarded 1x points and not 2x as promised. Other restaurants on my statement have earned 2x but this one has not. At {$150.00} I should be entitled XXXX  points instead of the XXXX  points. 

Terms of the program state " Purchases must be submitted by merchants using the merchant category codes for purchases in the above specified categories to qualify for the additional XXXX  points. Barclays and XXXX are not responsible for incorrectly coded purchases. '' However, the billing statement, the merchant is classified as " XXXX XXXX - XXXX  '' with a " doing business as '' a restaurant. This is probably happing with many other customers. The merchant had submitted as a Restaurant. This blanket disclosure should not be a scapegoat in Barclaycards responsibility to reasonably fulfill their accelerated points offers and should be challenged by the CFPB for UDAAP concerns during their next exam of marketing and fulfillment.

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 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
For the past few months I've been writing and requesting verification of this account, and The Bureaus has sent me nothing. It has been extremely difficult to dispute with a company named The Bureaus,  because I also had to dispute with the 3 credit bureaus for this account! Despite my many requests for information, I still have received nothing! HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
So a company name XXXX XXXX called me and stated they are calling for a debt collection from cash store payday loan from 2010 in the amount of {$160.00}, but with interest and fees its totaling almost {$800.00} and an additional {$2500.00} in attorney fees. They threatened to take me out to court to collect on a 10 year old debt I dont even know existed. No letters in the mail from them nothing!! Just a threatening calls with heaped fees. They also threatened to put a lien on my car ... For over a mere alleged {$160.00} from 10 years ago. I asked the caller to send me the court summons and I will forward to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I received a called from advanced financial 24/7 on a sunday which is my religious day off trying to collect a debt i told the caller it was sunday and she still continued to try to collect completely disregarding my peace. And disturbing me on the Lord 's day so i hung up. The call was completely disrespectful. Not to mention this situation has already been addressed and has a case already with The CFPB in regards to my payments i have digital reciepts attached establishing that my payment went through ( see attachments ).  This is not the first time they have called me and each time it was from a different number. Which is deceptive because i received the loan in the area code of XXXX but im getting calls from SC and CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TX

Complaint narrative:
I have disputed a collection on my credit report multiple times asking for verification of the item and the credit bureaus have not verified the item and refuse to remove it. 

The account number is : XXXX The collection company is : 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 2020-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A car dealership from XXXX, PA used my information provided by an ex girlfriend to find her a car when my autorization was never obtained over the phone or on paper. XXXX XXXX  of XXXX, pa did this. I have called them and they have stated that you did do it saying i gave girlfriend permission which i didntand failed to investigate properly. I also called Experian to dispute unauthorized inquiries and they told me that since i didnt file a fraud alert when the inquiry was made it counts regardless if i auatorized it or not. I even sent certified mail to Experian with what i am disputing they ignored it and sent me nothing back. Please help I am currently trying to buy a house and banks are denying me saying to many 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 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened a PNC checking account on XX/XX/XXXX. At that time, I was told I am eligible for feee checks. One week later, I received no checks and called to find out that checks need to be ordered separately. I ordered my checks through Pnc representative on phone at the end of XXXX and was told the checks would be delivered in two weeks. Today ( XX/XX/XXXX ) I called to ask about the checks and was told the checked have never been sent out because the previous representative did not order the checks at all. I was told either to wait another two weeks or pay extra for expedited services. it has been over six weeks since I opened my account and use the bank as my only bank for my income. How can I pay my bills without fiscal checks? Why should I pay for the extra fees when it was the bank that kept messing up with my order. I am writing to request expedited checks without paying for that. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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:
Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2019 {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2019 {$870.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
There is a debt collections that appears on my credit from Convergent Outsourcing but I do not have a contract with them and want the deragotry marks removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
quit contacting me on the ftc violations please remove the contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC
State: OK

Complaint narrative:
I have attached some of the notes and I am waiting on the illegal documents filed. They stated I moved and didn't advice. The fact is I was homeless because of the Dept of Education and loan servicing companies FAILED me and I had XXXX XXXX. Surviving on the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 XXXX/XXXX  CHXXXX

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 2020-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Our Lakeview Loan Servicing LLC have failed to pay our XX/XX/XXXX W Taxes from escrow account. I have made several attempts to contact them to resolve this matter with absolutely NO response. I have been calling and have requested management and/or supervisor assistance to no avail! Not even a call back or reply to an email or post on social media. I have been placed on hold over days and weeks for hours and no representatives pick up. 
We have received a notice from our City about the delinquency and tried to resolve with our services with not so much as a concern. We pay our loan on time and they should be held responsible for not paying our taxes on time. 
We need help to get someone to rectify this issue immediately as this company does not and can not provide sevice to their customers. We did not get to chose this service provider, as our VA loan was sold to them. This company should be shut down for operating insuch an irresponsible capacity!!

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 2020-02-03 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: TX

Complaint narrative:
I have two collections from XXXX on my credit report that I am not familiar with, I have disputed these collections multiple times asking for verification from the credit bureaus and they have failed to verify these accounts. 

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 non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have been with Nelnet since XX/XX/XXXX and my loan balance has not been reduced even though I have been paying monthly and have not missed payments. In fact, my loan balance has increased. 
I wrote to Nelnet in XXXX, after speaking with an agent at your company, and said that I was willing to settle the loan at {$25000.00}, but they did not respond regarding this, only that they do not refinance loans. 
My oldest statement on line is from XXXX and says I have a balance of {$57000.00} and my latest statement from XXXX, XXXX says I have a balance of {$58000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE HAS RIPPED ME OFF, THEY CLOSED MY ACCOUNT BECAUSE I DISPUTED SOME FRAUDULENT TRANSACTIONS THAT WERE ON MY ACCOUNT. 

THEY NEVER GAVE ME MY MONEY BACK AND I HAVE TRIED TO RESOLVE THE ISSUE SEVERAL TIMES IN BRANCH. 

A MANAGER TOLD ME " HONESTLY CHASE DOESN'T WHETHER YOU MADE THE TRANSACTIONS OR NOT, THE PERSON GUESSED YOUR PIN NUMBER SO YOUR SCREWED ''. 

THIS IS UNAMERICAN, AND EXTREMELY IMMORAL. THEY KEEP SAYING THEY NEVER RECEIVED A DISPUTE EVEN THOUGH I HAVE A CFPB DISPUTE ABOUT THIS ISSUE, THEY NEVER INVESTIGATE THE CHARGES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Opened multiple XXXX XXXX credit card accounts with citi bank. Citi bank offered miles in return for money spent. Many thousands of dollars spent resulted in award mileage of XXXX as of XX/XX/2019. Mileage account tied to citi spending was involuntarily closed and all mileage earned was taken away without any communication or compensation offered by the bank.

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