vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing about my experience with Experian credit bureau not doing a valid investigation on a dispute that I opened on my account with an old credit card account. There is a closed XXXX/XXXX XXXX credit   card account number : XXXX on my report that has 2 late payments in XXXX and XXXX of 2019. This is incorrect, this account should not have any late payments listed. I demand these payments be removed or this entire account be DELETED from my report. This same account is showing on my XXXX report as being PAID ON TIME/NEVER LATE. I have disputed this with Experian, and they have finished my dispute but did not fix anything. They didn't change anything, yet the dispute says " updated ''. How could this be factual, if it shows paid on time with one bureau and not the other? I am requesting method of verification or this needs to be deleted immediately. I do not want them to open another investigation, because they just completed one after having me wait days for them to not fix this. My dispute report number is:XXXX. I need this account updated to paid immediately, or completely removed from my account right now. I am attaching pictures of my XXXX report, and my Experian report as well to see the difference.

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 2020-09-03 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: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance now.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, there is an account with XXXX 'XXXX  ( XXXX ) that is on my credit report. I have been trying to fight this account for sometime because it is inaccurate. I am requesting this account be removed because I have not been provided proof that this account is mine. I have also not received any method of verification from the Experian credit bureau in response to my dispute. I feel that this is negligence and this account should be removed from Credit report immediately. I have already requested a dispute, and NOTHING was changed but an incorrect balance was updated. XXXX  has already deleted this account because it was deemed INACCURATE. I expect Experian to follow suit, or I will be faced to sue this company. This complaint is my final resort to allow them to rectify this situation. I am demanding this item be deleted or I am sent TRUE verification that this account is mine/as well as method of verification. I do NOT want a dispute, because I just had a dispute finished this week for the second time and this account still has not been removed. 

I am attaching a photo shot where it shows this account has been removed from 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 2020-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: AZ

Complaint narrative:
This was my first car that I bought off the lot it was a used car to start with I ended up getting into a car accident and the car was totaled so I was able to pay an additional fee to obtain another car with the same payment dates and times of my last car I completely paid off the car in total because of what they got back for I accident it paid for the new car but I ended up having to pay extra money because I wasn't aware of that they have already taken a lot for me and for that company XXXX XXXX to sell my information to this collection agency for the amount of my total car is completely illegal please look into this and into their company in its entirety because that's not right I made XXXX year old woman turning XXXX and my credit is a big deal in my life right now my phone number is XXXX please give me a call if you have questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
XX/XX/20 The checking account was opened via First Citizens website with a promotional offer of {$300.00}. Very easy terms and conditions to follow, simply use the debit card 10 times within 90 days OR Deposits of {$1000.00}. I have without a shadow of a doubt completed BOTH of the options even though I was presented with an OR option. This bank has not paid me the {$300.00} even though I used my debit card 23 times within 90 days and did my deposits even though they were not a requirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America withdrew more than {$1000.00} from my bank account despite having a {$0.00} credit card balance. Bank of America then gave my {$1000.00} plus dollars to the State of New Jersey. Bank of America refuses to withdraw monies from my account when there is a balance and simply cancelled my credit card.

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XX/XX/2020 I received a call from tjxrewards mastercard asking me if I made an {$8200.00} purchase. I said no that's a fraudulent charge. As I was on the phone they asked me if I made a {$400.00} charge. I believe I was on the phone still talking to the operator when a criminal was using my card. The {$8200.00} charge was from a company named XXXX who I don't believe I've ever done business with them an definitely didn't make the charges to and told the operator I believe the day the charges where made that they were fraudulent. The {$400.00} charge was fraudulent too. They have it in my last billing statement PAY.XXXX  PA. I believe it was under another company back in XXXX, but that's what's on my billing statement. The operator immediately told me she was going to block the charges. I was fine, no harm no foul, until I just found the old email of a denial to reimburse me. They said in the denial letter that I profited off the transaction and I knew about it. That is a complete lie, and now tjxrewards mastercard is trying to make me pay for fraud.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I closed my account with XXXX ( Account XXXX ) sometime in XX/XX/2019. They were increasing my rates and I no longer wanted to be affiliated with them. Previously, they used to pro-rate their charges but then they told me that they changed their policy ( without notifying me ) and now I will be forced to continue with them until the next billing date or I will still be liable for the charges. I explained to them that I wasn't made aware of this policy charge either via email or notified in any way. They said, its on their bill. But I did not receive any paper bills and on their online bills there was no mention about this policy change. I asked them to give me a prorated bill as this is what the policy was when I signed up with Spectrum but they proceeded to put that amount in collections and now are forcing me to pay that amount by putting a derogatory mark on my credit report. I was not contacted by the collection agency before they decided to report this to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have additional Information to provide under my complaint. Please see the attachment. I also requested Consumer Protection to get a Copy of this cancel check in my name. They refuse to give one to me. My complaint Number is XXXX. Also the the Letter that was date on XX/XX/2020 the Representative told me it was back date since XX/XX/2020. they never have no intention to speaking with me to resolve this issues. I am devasted how I am being treated in this matter. Navy Federal doesn't have no intention to investigate or speak with me. I ask this Office to retrive all documents on these Fraudlent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Our apartment was managed by XXXX in XXXX ga ( XXXX At XXXX XXXX ) I spoke to the office telling them we were buying a hone and would be moving out in XX/XX/2019 thats when our lease was up so we wouldnt renew. The office manager was named XXXX she was fine with this and that was that. Closer to XXXX I spoke to the office and was informed they changed owner ship and that XXXX took all files the lady in the front office said its no problem because we never were late on our rent in the 3 years we lived in this apartment she said to email her a statement saying we would be moving in XXXX so I did. When I went to give them all the info about our move out date XXXX the property manger was rude and said he had no idea about this and that I didnt give them 30 days notice which I did but he was so mean very rude and told me the only way I could move out without being turned over to debt collectors was for me to wave my deposit and to pay for the month of XXXX which was {$1400.00} plus he kept my {$500.00} depot we agreed even XXXX I gave them my notice month ago to XXXX management and felt that it wasnt my problem if they didnt get all the records I couldnt have this on my credit so we just paid the money. We moved out on XX/XX/XXXX and I gave the keys back XXXX even tho I paid for that entire month XXXX said we had to get out we did we had our new hone so that was fine. Months later in XXXX I received a letter saying we still owed {$1200.00} in rent for our last month but this time it said they were going after my XXXX year old son then they sent more letters going after myself and husband. I spoke to XXXX and he said he took care of it but its still on my credit Iv called XXXX office as well and they say the same thing that I paid in full. I even paid XXXX {$50.00} dollars for some paper work that he said would definitely close this case and its still on my credit. I feel this is a scam Iv paid them so much and lost so much I did everything I was supposed to and told todo. Please take this off my credit I was never late on my rent and never was a bad tenant they took my deposit and made me pay for extra month for no reason and now they want more XXXX is the one in charge and I call him every week he still says the account is closed and we owe nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CT

Complaint narrative:
TCF Bank has recently overhauled their servicing infrastructure which includes how a customer makes payments. During this process the customer is forced to re-enroll in their website and set up their payments again. I was able to successfully able to re-enroll with their system and set up automatic payments. However, when the date of payment I selected arrived ( 9 days before due ), no payment went through. Assuming that this would instead go through on the payment date, I waited to see when that would happen. ( On a side note, a customer must enroll into two different systems, one to see balance and statement details for your account AND another to merely make a payment ) The payment did not go on the due date and therefore I made a manual payment that day. Additionally, I made an extra payment XXXX {$30000.00} XXXX a day later, but neither of those payments went through and were subsequently reversed days later. I received no notification of the reversal, I only noticed when the payment was not taken out of my checking account ( thankfully not TCF Bank ). 

I have made several attempts to contact TCF Bank, but was disconnected after 2.5 hours each time. Apparently their system does not allow a customer to hold longer than that. 

Finally, I have made multiple attempts to contact them via their " Secure Message ''  and through regular email, with no semblance of a resolution from either mechanism. Logging into their website also appears problematic now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX a representative from Asset Recovery Solutions left a voicemail at work that is not private. 

The representative knew they were calling a place of employment. 
They did not know if they had the correct voicemail box or not. 
They did not know who could or would listen to the voicemail. 

They knew it was possible that 1 ) someone else could access the voicemail or 2 )  someone could overhear what the message was about. 
Based on the information above they knew it was more than likely NOT a private voicemail and there was a reasonable likelihood that my employer or coworkers could access the message or listen to it. 

Yet they went ahead and disclosed in the message my name and that it was about a debt. 

The transcript is below. 

hello this is a message for XXXX XXXX if weve reached the wrong number for this person of please hang up or disconnect if you are XXXX XXXX please continue to listen to this message. 
XXXX XXXX you should not listen to this message so other people can hear it hear it as it contains personal and private information This is XXXX XXXX from asset recovery solutions this is an attempt to collect a debt by a debt collector Any information obtained is for that purpose please contact me about an important matter at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have 101 late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX  with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX  XXXX -- reported 7 times late, Capital One XXXX -- - reported me 21 times late, Capital one credit limit XXXX XXXX -- reported 16 times late, capital one XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX XXXX XXXX XXXXreported 8 times late, Capital one XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Venmo froze my account on XXXX with no authorization to do so. I had made transactions on XXXX with no issues. On XXXX I was sent {$500.00} and when I went to transfer into my bank they froze my account. They were supposed to contact me by late afternoon yesterday and I have heard nothing. They are not responding to my emails and are holding my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have XXXX late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX XXXX -- reported 7 times late, XXXX XXXX XXXX -- - reported me 21 times late, XXXX  XXXX credit limit XXXX XXXX -- reported 16 times late, XXXX XXXX XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX  XXXX XXXX- -reported 8 times late, XXXX XXXX XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just  denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with TransUnion and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX  because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and TransUnion did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX. Remove this now

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing in regards to an account on my report called XXXX XXXX XXXX. I filed a dispute with XXXX and they told me this item came back verified. This is IMPOSSIBLE.  This negative item as already removed by XXXX because it was not verifiable. There isnt even an account number for this on my credit report. I filed a complaint with the cfpb against XXXX XXXX XXXX and they told me themselves they could not find my information in their system. I am disappointed because I waited almost 30 days and XXXX did not do their part in their investigation, they lied! I demand this item to be removed from my report. I am no longer waiting 30-60 days for you to fix this because after this I will be suing you for providing this false information I tried to give you a chance to rectify. Ill even attach the letter that XXXX XXXX XXXX sent to me as proof they could not verify me. Take this item off my credit report now. I can not even reference this account, because there is no account number on my report. This account is with XXXX XXXX XXXX XXXX XXXX   Remove this now

Company response to consumer: Closed with explanation