vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 20 and 21 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. I am a resident of the state of Massachusetts, Social Security No. is XXXX. I have recently attempted to inquire with my online bank Capital One 360 over the past month and a half, regarding two of my accounts being placed on hold a personal checking account, and a personal savings account which have been active since 2016. 

The accounts online state the following message when I attempt to log in, and access my funds : " Your funds are currently unavailable for withdrawal ''. The message then requests me to call a customer service line that rarely answers my calls when I attempt to call. My call is often prompted to an automatic voicemail box, that never returns my calls to simply gather information for a timeframe as to when my funds will be available to withdraw again. 

I have only twice been able to contact the team who is supposedly involved in this matter, who does not give me any specific information or details, as to why my accounts are on hold to begin with. 

If CFPB could please aid me in this issue in regards to Capital One 360, and them not allowing me to access my funds, this would be greatly appreciated. 

-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got medically sick and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: SC

Complaint narrative:
I have sent Equifax my affidavit of fraud concerning this account twice on XX/XX/XXXX and XX/XX/XXXX. I have received no updates other than from XXXX XXXX which shows the  account is being investigated. I am aware a credit bureau is allowed 30-45 days for an investigation, we are long past that. XXXX and XXXX deleted the information after 10 days of my original submission. While talking to Equifax this morning one of the CS people mentioned XXXX. Using XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX for investigations. 


( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ( 5 ) My credit report dated XX/XX/XXXX ( report number XXXX ) states inXX/XX/XXXX this account was paid on time. You are now reporting it was late in XX/XX/XXXX. That same report shows payments through XX/XX/XXXX. But the account is now reporting as closed XX/XX/XXXX, how can that be? Factual Error If this issue can not be resolved in the next 30 days I will seek damages including but not limited to defamation, and any monetary amount allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
on XX/XX/19 commenity capital bank called a relative about my account looking for me despite having my contact info which im sure isn't allowed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/19 I was sent a promotional offer from American Express to upgrade my XXXX XXXX XXXX card to the new XXXX XXXX   card. The offer stated I would receive XXXX bonus XXXX XXXX points if I spend {$3000.00} within 3 months. I requested the upgrade on XX/XX/19 and clicked the link in the email and entered my RSVP code and SS #. I was instantly upgraded to the XXXX XXXX card. On XX/XX/19, I chatted with Amex to confirm my enrollment in the offer and was told that the promotion had not applied to my account. I gave them my RSVP and code and proof of the email and they still continued to deny my enrollment. They claim they will conduct some sort of long, drawn out clandestine investigation that cuts into my minimum spending period but can not manually adjust my account to enroll me in this promotion. Amex is employing bait and switch tactics. 

POID : XXXX RSVP Code : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/2019. 
{$35.00} Victoria Secret Angel Card. 
I missed pay few hours on the due date because I have health issues, actually the last payment was a late fee charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX   - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested for this item to be removed from my credit report it does not belong to me and the credit bureau have feel to do so. I requested for signed contract with my signature. What i received was a bogus contract with no signature something the credit collection agency made up. Please remove this fraudulent information off my credit report. What the collection agency sent me was a bogus made up contact. No signature no id no nothing. The contact that was sent is just a made up document. The credit bureau is not protesting my credit from bogus mad up stuff. This is not a contact signed be me or an account that I ever owned

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 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express continues to contact my workplace phone numbers that are not even mine despite me asking them repeatedly to stop doing so. I told them it is fine for them to contact me at my cellphone number but they are putting my job at risk by continuing to contact me at work. My work has called them to tell them to stop and I have as well yet they continue to do so. I was told by a manager that this would not happen again and it did again today. He did so on a recorded line despite telling me I was not allowed to record them. They also continue calling recorded lines at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Took out this loan with company to get cabinets in my new home. Contractors came directly from them and they were not new. They were installed by them directly and I never had any money exchange from them either. I was given an agreement to pay a certain amount and was doing good until I got XXXX XXXX   and could no longer keep up with my payments. I was asked to have them withdraw this amount of my account and i agreed with a lower payment plan. They inputted the wrong information and was in default because of there wrong doing. I attempted to get a loan elsewhere to open up a business and was denied because of the negative report. Although I am in a repayment plan again, I called and ask for a payment history and was told they can not provide 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 2019-05-17 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: CA

Complaint narrative:
Due to hardship I had a XXXX XXXX credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then XXXX XXXX reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I was charged {$19.00} by Transunion. They auto-enrolled me for their credit monitoring service after I had gotten a free credit report on XXXX and then created an account on their website to view my credit score. They asked for my credit card info when creating an account but didn't quote me a price. I never gave authorization for the {$19.00} monthly charge. 

On XX/XX/2019 I noticed the charge on my credit card statement and canceled the subscription from Transunion 's website. I had to call Transunion to have ask for the {$19.00} charge to be refunded. They agreed to refund the charge. The refund will take 3-5 business days.

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 2019-05-17 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: IL

Complaint narrative:
On XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how Equifax or XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
I have sent in a complaint to you before. XXXX stated that they can not find the debt they are stating I allegedly owe. How are they able to report THIS NEGATIVE information on my credit report? I've requested information from XXXX THREE times to show that this was my debt and I haven't received ANYTHING from them. I responded to them with some number that is stated on my credit report and AGAIN, I still have not heard from them and it is STILL on my credit report. Do I need to sue for damages to have them finally remove this?? I would like a resolution to this issue, not just have them respond and you drop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
this is company is reporting a debt that is not mine on my credit bureau I have ask several times for them to remove it and they refuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Financial Services
State: FL

Complaint narrative:
On XX/XX/XXXX I paid ( in cash ) {$1400.00} for an automobile loan marked closed from XXXX. The creditor took off this amount which raised my credit. I have a promissory note stating the amount was paid in full and the balance will reflect {$0.00}, which would eliminate this debt. As stated in the promissory note, the creditor would contact all three major credit agencies, which they did not. Although this amount was later taken off of my transunion report, it was put back on within the last two weeks and now it states that even thought the account was closed and written off, that I owe {$1900.00}. I also found this odd considering I original only paid {$1400.00}. On XX/XX/XXXX I contacted XXXX XXXX of XXXX XXXX, FL, and I was promised a return call and that the issue would be corrected that day. No one called and my credit dropped over 100 points due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 - 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10, 11, 12, and 13 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
This is a complaint about ditech financial LLC mortgage. Their underhanded tactics in making XXXX elderly seniors lose their home. They received my payment on XX/XX/XXXX through their website. They did not apply my mortgage payment to my loan, they placed the money in a unapplied suspended account fund. They receive the full amount for my monthly payment that was due for the month of XXXX. I spoke with one representative on XX/XX/XXXX and another representative on XX/XX/XXXX. Both representative stated they will send a letter to correct my account. But nothing has happened it's been two weeks now. So I decided to send a letter Written Letter a Notice of Error to Ditech Financial XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation