vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
As of around XX/XX/2020 l have been trying to contact Opportun and XXXX XXXX has been declining my calls. 
Opportun has been threatening me to sue me and collect from my XXXX Retirement Pension income in which this is a violation of my XXXX XXXX XXXX XXXX XXXX under Department of Justice. 

I have respectfully requested a Amicably resolution and remedy of making timely payments to Opportun each month on the second for {$50.00} until debt of around {$4600.00} is paid. 
Opportun refuses to accept my payments and Opportun Managements rather report derogatory remarks on my credit report with XXXX, XXXX and XXXX and have a collection company harrass me all the time by phone calls. 

I have a Permanent Financial Hardship and my family is going through a difficult financial hardship through loss of employment and the Coronavirus Pandemic issues. 
This is a Discrimination and Retaliation against me as a US XXXX XXXX Military Veteran. 

Either with Respect Opportun Administration accepts the {$50.00} @ month payment or discharged the debt of around {$4600.00} with high interest of 200 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I have a prepaid card with and by American Express bluebird card. On XXXX 2020 I go to access my account and access is denied I had my last deposit at XXXX XXXX  on the XXXX of XXXX. I requested a email for a password undated because I was assuming that was the problem after no email. I called the customer service number and as soon as I push the number 2 I hear a message your account is permanently suspended and then I'm disconnected. After going through another account I was told it was nothing I could do to get my funds. But they was able to get my information and see my account. I ask why wasnt i emailed before hand if there was a problem. Everytime I call I received a email saying something about a section 22 and I could write the department about the issue. I have Bill 's to pay. No warning no communication about how I can get my funds. I would like to get my funds and close the account. I was not aware of any section 22 agreement and I was not warned or communicated with like a customer about anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
Equifax is failing to review and/or research any of my dispute letters. I have attached three ( 3 ) recent letters sent to Equifax and it appears as though these letters have never been investigated. I have not received any communication from Equifax regarding the status of my dispute letters. It is very disappointing that Equifax is not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from Equifax still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

I respectfully request that the ( 3 ) letters I have attached be reviewed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.

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 2020-05-19 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: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.

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 2020-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AZ

Complaint narrative:
Plaza service is trying to collect a debt that I don't owe that I never owed and I never made a payment on this is not my account. I have provided the ID theft documents this account does not belong to me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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:
On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to XXXX XXXX XXXX  whom then sent it to credit transunion and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and XXXX XXXX  they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.

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 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
In the crash of 2008, XXXX XXXX wrote off my credit card debt while I was in Chapter XXXX. A few months ago, I started getting letters from Resurgent Capital Services L.P., XXXX XXXX XXXX, XXXX MI XXXX. They use XXXX XXXX XXXX XXXX SC, XXXX as an address. XXXX. Resurgent " manages the above referenced account for PYOD LLC. Not only did XXXX write off the debt, but collection of the debt is time barred by Arizona 's statutes of limitation. I believe Resurgent/ PYOD is attempting to collect debt from numerous parties all over the United States , preying upon the ignorance of debtors who debt was discharged or no longer collectible. Resurgent dupes the debtor into acknowledging the debt to reinstate it by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have tried to add the freezes to XXXX, XXXX and experien   and get my free credit report and they wont give it to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
A collection account that was part of my identity theft case just appeared on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
I originally purchased my car at XXXX XXXX in XXXX, Florida, I was financed through XXXX  XXXX  XXXX Florida  at XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I was having problems with the car from the inception of the loan. I took the car back to XXXX XXXX and they couldn't repair the car. Which later caused me to get a loan from XXXX to repair the car. The car was taken to the repair shop and repaired, the next day the car ran hot and would not start. I was given another loan from XXXX to repair the car. The car was repaired, I drove the car home and once I parked the car it wouldn't start again. I sold the vehicle to my niece XXXX XXXX while the car was in the shop I took her to XXXX  XXXX   XXXX Florida  and they financed the car in her name and kept my name on the loan as a co-signer. I told them I didn't want that since the young lady had a good job and could pay her loan. I was told this was the only way. I told them I thought this was unfair lending practices. XXXX told me that was legal and was the only way XXXX could get the car. The car was repaired again and never worked, XXXX gave me a name of a repair person and said he would repair the car and they would take care of it. I took the car to the transmission place and got an estimate it was another {$3000.00} once the car was in the shop I received a call from XXXX the manager of XXXX  stating that she was not going to do another loan on the car that they would try to replace it with another car instead. They never did it, in XXXX, 2019 I received a call from XXXX stating she was prepossessing the car. I told her that this is not fair to the young lady XXXX or myself after getting so many loans and the car was upside down. It would be a lost for the both of us and ruin our credit. She was sharp and abrupt and said she is the manager that is her decision, I call the headquarters of XXXX three ( 3 ) time asking for assistance and they told me that the company was independently owned and they have nothing to do with it. I have two ( 2 ) loans on my credit report and so does XXXX without a car that operates. I continued to call XXXX and XXXX and she would hang up the phone each time. My credit score has dropped 100 points because of this and continues to decline. 

These practices are unfair. I called the attorney general office of the State of Florida and made a complaint to date I haven't heard from them. I need help to get this off my credit report and XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  bank I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
bank : American Express issue : deceptive practices by the bank on XXXX XXXX i contacted American Express to ask if it's possible to defer payment for 90 days due to financial difficulties they agreed to not charge financial fees or charge/waive late payment fee for the bill due on XX/XX/XXXX. 

on XX/XX/XXXX the statement shows a credit for interest /financial fees but it also showed a late fee of {$29.00}. 

on XX/XX/XXXX i contacted the bank by phone to try to fix the issue, i had a very difficult time dealing with their customer support representatives, one told me i have to pay the late fees and made up some numbers. another told me the late fee waiver was applied after the bill was issued on XX/XX/XXXX even though i contacted the bank on XX/XX/XXXX a month before the bill was issues, and after hours of waiting and jumping from one rep to another i was told that as a courtesy we will waive the late fee!!, a courtesy?? they made it like i was a bothersome even though they promised they would waive the fees and that's well documented in the chat transcripts. 

i think that is very deceptive, have i not contacted them they would have kept the fee, raised my APR and reported account as late to the credit bureaus. I wonder how many customer trusted Amex and ended up ruining their credit history. 


i have accounts with different banks and let me share my experience with them - XXXX XXXX : 2 account, automated payment deferment for 90 days without even contacting anyone, all done online. no late fees or reporting of late fees. 

XXXX XXXX  XXXX same as XXXX XXXX XXXX 

XXXX : i have XXXX accounts with them. the process was seamless and done online, i got conformation letter send by mail. 

what i got from Amex, a warning letter about the late fee and that any new charges would be declined. 

i agreed for this complaint to be published publicly, my advice to whomever is reading this avoid this bank. they will stab you in the bank in tough times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have tried to add the freezes to transition, XXXX, and XXXX   and get my free credit report and they wont give it to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to add the freezes to XXXX, Equifax, and XXXX   and get my free credit report and they wont give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.

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 2020-05-19 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Complaint ID XXXX I received an partial answer on my complaint : However the company Barclays Bank of Delaware did not include balance in my account nor any information as to where the {$400.00} dollars I had paid them went. In reviewing the payment history they have not applied the amount to my account so where is it.. I have cancelled checks showing payment but it does not appear on my payment history. 

I called bank and the loan office could not give me an explanation 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 monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
On XX/XX/XXXX, I received notice that a collection had been added to my credit report by the Revenue Group, attempting to collect a {$170.00} debt to XXXX  XXXX. I had never been billed for this amount by XXXX. 

I immediately called XXXX  XXXX ' billing department, who found there had been an error and said they they had indeed never billed me for that service. The representative said that she would issue me a bill and retract the collection from The Revenue Group. 

Two months later, I have still never received a bill from XXXX  XXXX, and the collections account is still open. It is not right for XXXX to send me to collections for a bill they never sent me. I am happy to pay any debt I actually owe, but I have not seen any proof as to the validity of this claim. 

I filed a dispute through XXXX  on XX/XX/XXXX, and today ( XX/XX/XXXX ) I received notification that they have verified the debt with the debtor. 

In general, XXXX  XXXX make it very difficult for patients to understand what bills they owe. There is no way to view outstanding charges on your account unless you receive a paper bill in the mail or speak with someone on the phone. This process is highly unsatisfactory and penalizes the consumer when XXXX makes mistakes, such as when they fail to actually mail a bill.

Company response to consumer: Closed with explanation