vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 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: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I am disputing a balance that is owed to an apartment complex that I have moved out of on XX/XX/XXXX, XXXX XXXX in XXXX, CO. The property management company is withholding the deposit I paid and not applying it to the balance regardless of me showing them proof of an email confirmation the I received from their office. The deposit was paid via money order and the person who messed up the paperwork and sent me the email confirmation no longer works for them. After going back and forth with the complex for several days they forwarded the account to a collection agency I.Q. Data International. I attempted to dispute the amount with them and sent in supporting documentation of my claim on XX/XX/XXXX. Today XX/XX/XXXX called my husband and advised him that I do need to send them more proof because the email 's I have from the property confirming that I paid a deposit is not sufficient. They also advised him that they will be reporting this to our credit and it will be damaged. Today I called them back to see exactly what they are requiring. The agent at extension XXXX would not let me speak and when I asked what my next steps where to resolve this she advised you either pay me or we are putting this on your credit. I asked to speak with a supervisor and was repeatedly hung up on when I finally spoke with someone I was told I have to call back. I am trying to resolve this situation but I am not getting any assistance and the collection agency I.Q. Data International is not helpful they simply continue to threaten me with damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THE BANKRUPTCY REPORTING ON MY CREDIT REPORT IS IN ACCURATE, PLEASE REMOVE 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 2019-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi closed my Prestige credit card again. 

I contacted Citi in XXXX to discuss ways to do product change to my Prestige card. After being informed that there were no such an option to convert it into other types of card and being advised to contact later to explore options, I clearly and explicitly informed the representative to keep the card open. 

However, when I later tried to use the card, the card was closed. I can not transfer my citi thankyou point either. 

This is not the first time my account being closed without my consent. I have contacted CFPB when Citi closed my account in XXXX and Citi later reinstated the card. This is happening again.

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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: TX

Complaint narrative:
Thank you for your time. 
I am XXXX XXXX XXXX an employee with XXXX XXXX  XXXX. 
Address : XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I will try and keep my story short and sweet. 
I was placed on medical leave on XX/XX/XXXX. I had Short term and long term disability Insurance purchased through the XXXX/XXXX XXXX. 
XXXX, XXXX I was notified by the XXXX XXXX XXXX my XXXX was approved. 
I supplied all the information to XXXX XXXX, as well as {$28000.00} out of the XXXX Retirement accrual of {$34000.00} due to me. 

After sending XXXX {$28000.00} they then said I owe them {$57000.00} almost twice what was paid. I feel I thought I owed a little more, however I was advised by the XXXX XXXX XXXX to contact designated legal counsel. I was told there was a decision by the 5th circuit court of appeals to prevent either party from profiting over the XXXX Retirement Board back pay on XXXX, XXXX has not explained how they ended up at the figure they did. I started receiving phone calls from A collection company who left a phone number for a return call at XXXX on XX/XX/XXXX around XXXX XXXX. I received the letter from XXXX on XX/XX/XXXX dated XX/XX/XXXX, and a letter from Brown & Joseph LLC dated XX/XX/XXXX. I was placed into collections when I freely sent in {$28000.00} of which was not mentioned by either company in their desire to profit off what was not paid to me. If you can help please let me know what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: AL

Complaint narrative:
THE BANKRUPTCY SHOULD NOT BE IN 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 2019-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2019, I ordered a shirt from a website, XXXX, through XXXX which is linked to my debit card. The order # XXXX was placed at XXXX XXXX for {$38.00}. On XX/XX/2019, at XXXX XXXX, I emailed XXXX re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' No response from XXXX to my email. So, on XX/XX/2019 at XXXX XXXX, I emailed XXXX again re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' Still no response from XXXX to today XX/XX/2019. Filed dispute with XXXX on XX/XX/2019 at XXXX XXXX, dispute case # XXXX. On XX/XX/2019, XXXX gave me a provisional credit of {$38.00} pending a final decision with the seller, XXXX XXXX ( XXXX ). On XX/XX/2019 at XXXX XXXX, XXXX denied my case and reversed my provisional credit of {$38.00}, because my billing dispute didn't match their qualification of a billing dispute. (? ) On XX/XX/2019 at XXXX XXXX, filed an appeal against XXXX XXXX   decision due to a lack of updates by XXXX about my order, tracking number, and no product received from them as of today, XX/XX/2019 at XXXX XXXX. Filing this complaint because my 30 days is near ( order date was XX/XX/2019 ) and XXXX did not specify a deadline on when they would have a decision about my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
THE BANKRUPTCY SHOULD NOT BE IN 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 2019-12-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and Equifax received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, Equifax failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX  failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

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 2019-12-03 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a XXXX Card underwritten by notorious liar  XXXX XXXX XXXX XXXX ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX  ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

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 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My significant other and I applied to and were approved for an FHA Home Mortgage through Bank of America at the end of XX/XX/2019. Throughout the entirety of the process, we have been lied to, misled, and entirely misguided by our banker, our underwriter, and our banker 's manager. Our personal banker ceased communication with us at the end of XX/XX/2019. No questions were answered and our closing date was continuously pushed back. We escalated our issues to the manager and settled on the XXXX of XXXX for a closing date. We both took time off of work for the day, making sure that the manager was well aware of the decision and that he was working to make sure that we had all of the documents. It is currently the end of the day on the XXXX of XXXX and we have been made to resubmit sensitive documents upwards of three times to the underwriter. We have been told different stories by different BoA employees, and the loss of this entire day, the mishandling of our documents, and the lack of communication has left us with very few options for closing dates and will cause us to have to submit another closing addendum to the seller to push back the closing date. This may cause the seller to back out of the deal and tank the entire thing. Please never get your mortgage through Bank of America.

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 2019-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I am writing to you to complain about Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX. I have found adverse account information listed on my credit reports, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I have no known or verified accounts with this business. I did not receive any debt validation correspondence from Midwest Recovery Systems before they unlawfully reported errnous account information. Midwest Recovery Systems continues to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXas recent as XX/XX/2019. Midwest Recovery Systems is continuing to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1600.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
i have a negative on my credit on an account that i pay completely without any reduction on what i own.

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 2019-12-03 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: PA

Complaint narrative:
XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX   failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

TransUnion On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, TransUnion failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.

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 2019-12-03 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: PA

Complaint narrative:
XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

Experian On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. Experian failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.

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 2019-12-03 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I was issued an apple card on the month of XXXX. On XX/XX/XXXX, a fraudulent charge on a XXXX in New York state for XXXX was made using the same number as my card. The charge was flagged and declined by Apple/Goldman Sachs ad a new card was issued. However, the declined charge was posted on my monthly balance despite beiing declined. I called Apple card 8 times and repeatedly told me that a provisional credit will be issued within days, but was never issued. Is mystifying to me that a charge was declined but Apple still charged me and is not issuing the provisional credit. This is theft.

Company response to consumer: Closed with explanation