vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A collection account in the amount of {$2800.00} has appeared on my credit report. The creditor is XXXX XXXX at XXXX XXXX. We contacted them and we were told it is for a lease that was signed on XX/XX/2015, in XXXX. This could not have been me as I was a member of the United States XXXX stationed in XXXX at that time. I have disputed this account with the Credit Reporting Agency and I am told that I am still liable even though I was a member of the United States XXXX on orders to be in XXXX at the time of this alleged debt.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX  account. 

incorrect addresses and 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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and 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 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX Assistant Property Manager XXXX XXXX XXXX XXXX XXXX regarding an outstanding bill XXXX. ( see email ) On XX/XX/XXXX. XXXX. I was contacted by XXXX XXXX Property Manager XXXX XXXX XXXX XXXX XXXX regarding alleged amount I owed for move out cost. I disputed the amount and asked for an itemized breakdown. I was giving an estimated and not itemized invoice services were completed. ( see email ) On XX/XX/XXXX. I was contacted by XXXX XXXX regarding the drywall. Ms. XXXX stated, " I am waiting for XXXX XXXX to x your drywall on Thursday. Once I get an itemized invoice from them I will forward it to you. ( see email ) On XX/XX/XXXX, I contacted Ms XXXX via email. I asked for an updated regarding the itemized invoice. ( see email ) On XX/XX/XXXX. I contact XXXX XXXX Employee Relations Manager of XXXX XXXX XXXX via email with XXXX XXXX CC on the email. I let Ms. XXXX know I have not received any correspondence regarding the itemized invoice and I offered solution to the matter. ( see email ) XXXX XXXX stated they found a second drywall vendor and will get it done this week and XXXX XXXX stated, XXXX XXXX has not completed the drywall because the employee who handles all the drywall has been out on leave. XXXX XXXX expects to complete this by XX/XX/XXXX. 

Until this day. I have not heard from XXXX XXXX, XXXX XXXX, or anyone at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I never received an email, a phone call, or mail regarding itemized invoice for services rendered. 

XX/XX/XXXX, I became aware of a collection account on my credit from national credit systems that was reported on my credit report on XX/XX/XXXX. I have never received a call, email or mail from national credit system. I never had the opportunity to dispute this collection. 


POC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank I had opened a new account 2 months ago. I put my first paycheck in ( paper check for the first time ). I called into the customer service to see how long I would have to wait until I can access my money and begin paying bills. 

My paycheck date is XX/XX/2020. 

I put my check into the bank on XXXX I realize because of XXXX day on Monday XX/XX/2020, access to my funds would be delayed a day because of the holiday. 

I called the customer service line and the lady said that my funds would be ready on Wed XX/XX/2020. And that was a conservative estimate. She also said that I would be able to access {$100.00} of my money right away. 

So on Wed XX/XX/2020, I checked my account online, and I see that they still were not available. I finally called in and was informed that they placed a hold on it, ( they never told me this ) and will hold it until XXXX XXXX at the earliest! 

This goes well beyond and hold! This is my paycheck! I can not pay bills, those that I paid going by what the original lady told me, now I am being charged {$35.00} over and over! 

This violates any FDIC rule! They simply can not hold my money for well over a week and never tell me when and why! I need my medicine! This is held so long that my next paycheck will arrive before these funds are released! 
I need some help with this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma ; My email is deactivated, I tried email the support member that's on their site. They need a phone number to call. It makes no sense I cant call these people that have ads on XXXX & XXXX but, no number. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
I received a letter from National Credit Adjusters ( attached ) on XX/XX/2020 ( despite it saying it was sent on XXXX ). I contacted the collection agency on the same day. The letter clearly advises payment must be made by XX/XX/2020. This is a classic example of " overshaddowing '' as the agency is attempting to force me to make payment within the validation period or lose out on the opportunity to save money by settling. 

Further, I do not owe this debt, I do not know what this is for and dispute it in its entirety. I have forwarded a copy of the letter to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I called The Barclays customer service line on XX/XX/XXXX at approximately XXXX regarding clarification on the {$100.00} companion ticket credit. I signed up for this Barclays XXXX XXXX credit card in XX/XX/XXXX so I am a new customer. The credit card has so many features and benefits that I would like to take advantage of them but I have a lot of questions as to how they function. The customer service representative that I spoke to told me that I would receive the {$100.00} credit on my credit card account after I purchased the airline tickets. I purchased the tickets for myself and my companion on XX/XX/XXXX and waited for several days to see the {$100.00} credit appear on my account. I never saw the credit and when I called back on XX/XX/XXXX and spoke with XXXX ( operator ID # XXXX ) she informed me that the information I was given by the previous representative was incorrect. I expressed my concerns to XXXX and explained that I felt deceived by my credit card company and was very unhappy and frustrated. As a consumer I feel that we apply for new credit cards because of the features and benefits they offer, however we need to understand how to use them. I am not happy with the customer service and I am not happy with the misinformation I was given. I have been given misinformation by several customer service representatives and I feel that the credit card company is taking advantage of consumers who dont understand the features and benefits.

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 2020-01-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: OH

Complaint narrative:
I placed an online order for an item that was not available in the store as a XXXX gift. I needed to exchange the item for a different size. I contacted the company via online chat on XXXX to ask how to go about exchanging the item. I was advised by the representative to place a new order for the item in the correct size and she would issue a refund on her end for the original order. I asked what to do with the original item, and was advised to donate or discard it. I was advised the credit would appear within 7 days. When the credit had not appeared by XXXX ( 12 days later ), I called and spoke to a representative who apologized the credit wasn't posted, and advised she would escalate the request and the refund should appear within 7 days. When the credit had not appeared by XXXX ( 8 days later ), I called again. I explained what had happened and asked to speak to a supervisor. I was dumped into a voicemail system. I called again and immediately asked to speak to a supervisor. Instead of transferring the call, the representative kept badgering me for additional information. When he finally transferred the call, the supervisor I spoke to again told me I would have to wait 7 days. I advised this was the 3rd time i had been advised to " wait 7 days '' and still my problem was not resolved and i needed to speak to someone that could assist me today. I was transferred again. The next supervisor i spoke to stated due to the original purchase being in multiple tenders ( kohls account and kohls cash ) it was taking additional time to correct. I was advised that the refund was processed on XXXX and would appear on my account in, you guessed it, 7 days. Well, here it is XXXX ( 8 days later ), and STILL NO CREDIT ON MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought two pieces of furniture ( sofa and a Recliner ), both from " XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' and both have bugs in it, I can not use both piece of furniture and they are in usable. 

I bought the sofa for {$690.00} plus tax, and Recliner for {$400.00} plus tax I used Synchrony home Store credit card to make this purchase. 

I first tried calling the store and solving the problem on XX/XX/2019, I called them at the phone number XXXX and left a message with the store clerk for the store manager " XXXX '' to give me a call back. I called him twice but to no avail. 

After that I called the Synchrony home store credit card to solve the problem. Sometimes it connects to XXXX XXXX Call center and other times in XXXX, both the times customer service agents told me that they will first contact the store and call me back with the update, but I never received call back 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 monetary relief
Consumer complaint received 2020-01-27 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: MI

Complaint narrative:
I have an XXXX XXXX Account that was DISMISSED BY XXXX   DISTRICT COURT OFFICIALLY XX/XX/2019. 
BUT, XXXX XXXX is STILL reporting that the ACCOUNT was updated XX/XX/2019 and THAT IS NOT CORRECT! 
The amount reported by the company is INCORRECT as well. 
Furthermore, I had paid the ACCOUNT OFF ENTIRELY XX/XX/2019 VIA PHONE in the AMOUNT OF {$1200.00} to a manager by the Name Of XXXX. I was mailed my FINAL RECEIPT. I have that as well. PLUS the PAPERWORK FROM XXXX DISTRICT COURT. I've went to the location MULTIPLE TIMES, spoke to staff including the manager I made Payment to via phone. I ALSO contacted the customer service department and spoke to NUMEROUS customer service representatives. Made multiple complaints, even emailed an employee my documents from XXXX District court. 
Ive ALSO UPLOADED THESE SAME ITEMS TO EXPERIAN MULTIPLE TIMES AND CONSTANTLY DISPUTED THIS WITH THEM AND YET THEY FAIL TO REMOVE THIS ITEM FROM MY CREDIT REPORT. 
THE AMOUNT OWED IS WRONG. 
THE DATE OF LAST PAYMENT IS WRONG. 
THE LAST UPDATE ON THE ACCOUNT IS WRONG. 
THE ACCOUNT HAS BEEN DISMISSED BY XXXX  DISTRICT COURT. 
The account has been disputed multiple times and still isn't accurate.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax, XXXX & XXXX were all unable to provide me with my free online credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking account with chase I had money in it and just the other day I tried ordering food with my debit card just a day after I had received a deposit and was using my card it all the sudden stopped working I tried signing in online to my account and it said to contact them so I did and they said they had closed my account with no reason given. now remind you I have children that I need to feed and that was my money source for their food and now I wont get any of my money that was in the account for 7 to 10 business days when they decide to close it. also they revoked my credit card for no apparent reason as well I was making payments on my credit card as well now I dont understand why this is happening and they said they would reimburse my funds to me through a check a month ago and still have t recieved it what can I do about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX, XXXX & TransUnion were all unable to provide me with my free online 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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX, Experian & XXXX were all unable to provide me with my free online 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 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2020 i recieved an electronically generated {$470.00} loan deposited into my checking account the bank cleared monies and made it available to me on the same dayXX/XX/2020 I in turn went to XXXX and purchased a Target gift card for {$470.00} and paid the loan back via the XXXX gift card.on the same day XX/XX/2020. 
5 days or 120hrs later. 0n XX/XX/2020 recieved overdraft of {$460.00} plus penalty, after realizing what happened I called the bank to file a complaint and was advised to change my account number and freeze the account which I did. On XX/XX/2020 another 3 days or 72 hrs later called bank to check on my claim and found that I did not have one after getting the run around for 5 hrs. finally got a claim filed I do not believe I owe for that overdraft when the bank made it available to me and 5 days later decieded it was not available, as a result I lost my loan and my credit score will take forever to repair

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 2020-01-27 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had bank of america student checking account long time back and it is already closed in XXXX. I recently tried to open an online checking account and it is showing negative information about my previous Bank of America Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.

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 2020-01-27 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: TX

Complaint narrative:
my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this 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 2020-01-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I had XXXX  XXXX XXXX student checking account long time back and it is already closed in XX/XX/XXXX. I recently tried to open an online checking account and it is showing negative information about my previous XXXX  XXXX XXXX Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: DISCOVER BANK
State: CA

Complaint narrative:
I tried to open another online bank account and this bank checked my history with XXXX XXXX with Discover bank, Discover bank is showing my Account as Overdrawn and pending closed which is not true. I need Discover bank to correct this. I have no idea why Discover bank is showing this when I always had good terms with them, this is disgusting.

Company response to consumer: Closed with explanation