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

Complaint narrative:
I just noticed that Transunion was deducting {$19.00} per month from my bank account. I never authorized this. I called and they said I had ordered credit monitoring in XXXX of XXXX. I never did. I simply asked for a temporary lift on my credit freeze and then to re-freeze. They said that I had ordered it but I am sure I did not and I never received any documentation from them about " credit monitoring ''. So from XX/XX/XXXX through XXXX of XXXX has Transunion has deducted {$19.00} from my bank account. They owe me {$190.00}

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 monetary relief
Consumer complaint received 2020-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX {$230.00} was revived from XXXX  sale funds held fro shipping confirmation tracking shows as customer received XX/XX/XXXX it is now XX/XX/XXXX & Paypal is still holding {$220.00} I constantly call get a run around ask for a supervisor put on hold for hours to then be hung up on and start the never ending cycle all over again

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

Complaint narrative:
XXXX  XXXX pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet XXXX XXXX would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called XXXX XXXX to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and XXXX  XXXX would add my Bank to our call and verify that the payment had been cleared. However, XXXX XXXX would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called XXXX XXXX and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a XXXX XXXX debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. XXXX XXXX has placed fraudulent charges on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
Last XXXX my daughter was taken to XXXX XXXX  XXXX. She was an out patient. At the time of Service she received XXXX XXXX XXXX  which is essentially XXXX. I received a letter through XXXX  XXXX Saying that they approved and would Cover 100 % of her treatment. Now I am receiving bills from XXXXReceivable Solutions. If a bill is owed then that means someone didn't do their job. Not that I neglected to pay. I have communicated this multiple times. Not only did she have XXXX but she also started receiving XXXX half way through her treatment there which was reported to them but according to XXXX, XXXX  never filed a claim. I am officially disputing the debt on the grounds that It is not My fault if XXXX employees didn't do their job. I do not owe this debt. If they didn't get payment they need to take it up with the insurance companies. I also have charity through other hospitals. I have provided that as well below. I would think if I qualify through one I would qualify through the others. I have attached however the copy of the XXXX insurance cards and proof that a claim was never filed by XXXX. I will once again reiterate that I gave them the information while she was still in treatment. the made copies of the card but they told me that XXXX   XXXX approved the treatment all the way through. XXXX XXXX also confirmed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial without any notice of debt place 4 medical collections on my credit report. When speaking to Commonwealth Financial indicated they purchase this debt from another collection company. I have never received any type of notice of validation of debt from any collection company. This action dropped my scores over 100 points without warning. We had insurance at the time Commonwealth Financial states when the bills were created. This is a blatant violation of none notice of debt to validate. To give an opportunity to resolve this issue. The Commonwealth Financial purchase this debt from another collection company that didn't give notice of debt to validate. They are selling unverified debt and placing on credit reports. I received no 30 day validation period. They just place 4 collections on my credit report this is alarming that collection companies get away with this type of attack on or credit without any type of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2019 at Citizen Bank Branch Philadelphia Opened an credit card due to a promotion they advertised that I would be receiving 15 months 0 % interest. 
The first page of their promotional campaign stated introductory rate 15 months 0 % it was refering to balance transfers. This was not communicated as such in that 1. This is my bank i was defaulted to trust, i have money in this bank. 
2. I told them i would be making a large purchase 3. Most credit card companies offer me 0 % interest on purchases at my home, i was thinking maybe i would give my bank the interest. 
4. The promotion was misleading, in that what is so fantastic about receiving a credit card for 17 % interest? 
5. I believe the promotion was intentionally misleading, and could be interpreted that this was for purchases the promotion. 
I would like for them to honor the intention of the promotion, as understood by me the client. 
I have contacted bank to no resolution just being pushed around various offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV is a collection account owned by Resurgent Capital Services.  There is a collection on a credit card for the amount of XXXX dollars. I contacted Resurgent and they sent me a letter that I dont have any collection accounts with them. So far XXXX  is the only credit bureau that has deleted this inaccurate account from my report. XXXX  and XXXX   has not corrected my credit report even after uploading the documents proving my claims and uploading the letter from Resurgent. XXXX and XXXX  are really the problem with this collection account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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 been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian, XXXX  and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. Experian, XXXX and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but Experian and XXXX refuse to do so.

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 2020-02-02 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: NC

Complaint narrative:
I had sent in numerous documents about XXXX to XXXX   and TransUnion. XXXX  has resolved it months ago. XXXX  and TransUnion continue to report this inaccurate account on my reports.

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 2020-02-02 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: NC

Complaint narrative:
I had sent in numerous documents about XXXX to Equifax and XXXX. XXXX  has resolved it months ago. Equifax and XXXX  continue to report this inaccurate account on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion intentionally reinserted a previous deleted item : XXXX XXXX  and associates back to my credit report without giving 5 days written notice as required by law. A violation of FCRA rules.

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 2020-02-02 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There are unauthorized inquires listed. They are below as follows : AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: OR

Complaint narrative:
I needed a pay day loan to get through the month of XXXX. My work was shortening hours and I needed money. I borrowed {$400.00} and wound up owing {$1800.00}. Required to pay $ XXXX/month for 9 months. The interest is completely ridiculous and I heard class action lawsuits going after these tribal loan companies. I need help before this causes bankruptcy or even homeless. 

I signed a contract but was unaware of the interest this wasn't disclosed till after the fact.

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 2020-02-02 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 been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX XXXX  and Transunion for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX XXXX and Transunion continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. Transunion already deleted 2 out of the 3 accounts but XXXX  and XXXX  refuse to do so.

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 2020-02-02 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:
I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX, Equifax and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX, Equifax and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but XXXX  and Equifax refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I checked my credit and saw an account from convergent for XXXX. I have never had an account with sprint. I have filed a identity theft affidavit ( reference number : XXXX ) with the FTC. My sister in law XXXX XXXX XXXX used my information to open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has not responded to my challenge dispute letter sent to them on XXXX, XXXX 2019. Please see attachments. 

As of today, XXXX second I have not received a response letter from Transunion. 
A violation of 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 2020-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
to whom this may concern : i was scammed in XX/XX/XXXX by someone i met online claiming to be from the US military. he lied about his life being in danger and needed money to help the processing for him to leave the " US military. '' i did a deposit into their account and soon realized it was a scam. 

i bank with XXXX and the receiving bank was US CITIBANK. there was nothing that my bank or their bank able to do to retrieve my money. 

i was ill at the time when this happened. i suffer from XXXX XXXX which makes it tough to make clear decisions and with this illness, we tend to be vulnerable when manic. 

1st deposit was made on XX/XX/XXXX in the amount of {$6200.00} & another transaction on XX/XX/XXXX in the amount of {$2900.00}. please see attached for receipts.

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 2020-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XX/XX/2020. 

I contacted the Capital One customer care service and i felt that way fraud specialist can not help with me over the phone because they need identification from me and need me submit social security card, driver license, and proof of address to Capital One and process the case with business 7-14 days to investigative the case third time I submitted. I felt like I had been discrimination experience with customer customer and been violated my rights third time. When I made contact through a video relay service and they thought it was theft identification and flagged it to fraud department. I understand they concern about security. It was me, XXXX XXXX. I am deaf and using a interpreter to communicate with them. they had communication barrier on it. The Capital One seems not follow the America Disability Acts Law procedure. The customer care service representative threaten me and violated my rights. They said do you want to close this account. I was feel inappropriate way they treat me wrong. I been loyalist customer to Capital One for over 16 years. this card is my favorite, I don't want to close this account. I does not understand why they does not accept to help me through a relay service on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am would like to file a complaint against American Express. I have received the worst treatment from them. I had two accounts with them that were both in good standing. They have recently closed one of them due " changes in my credit file '' yes my utilization has gone up but I have 100 % on time payments. Then to add salt to the wound they decided to lower my credit limit. I have never been late with them or anyone of my creditors. Yes, I have a lot of usage on my accounts but they offer rewards and other perks so that's why I use my accounts. I have recently got a raise from my job and decided to request a credit limit increase on the one account I have left with American Express instead they decided to lower my credit limit from $ XXXX to {$800.00}?? They are my lowest credit limit I have limits from $ XXXX $ XXXX on my other creditors. I have called customer service and get the run around from them. I am very upset that they do not value me as a customer. I spoke to a supervisor today XX/XX/2020 who said I need to send in documentation for my account to be re-reviewed. I am not sending in anything I don't feel like I have to go through hoops when I have been in good standing. I will just pay them what I owe at this point. I extremely dissatisfied that my level of business is not good enough for them but my other creditors seem to appreciate me. Please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I checked my credit reports and noticed an account for XXXX XXXX for XXXX XXXX. I never received notice of this debt to settle before it reported to my credit and my husband, XXXX XXXX, credit. We were XXXX for some time after he lost his job. My husband, our kids and myself currently reside with his parents and have saved up {$1300.00} to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
some inquiries was posted on my credit report without my permission. 
Syncb/walmrt XXXX, FL XXXX ( XXXX ) XXXX Syncb/XXXX  XXXX, FL XXXX ( XXXX ) XXXX Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

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

Complaint narrative:
i have some inquiries in my credit report that i don't recognize. i called company to fix the issue and i don't get any result.

Company response to consumer: Closed with non-monetary relief