vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite XXXX written requests, Transunion has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. 
Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts. 
First, INACCURATE REPORT is my NAME and ACCOUNTS. My full name is spelled XXXX I XXXX and not XXXX XXXX as Transunion is reporting. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX they have on file of these accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. The INACCURATE report MUST be DELETED together with the UNVERIFIED ACCOUNT below : XXXX XXXX SERVICING XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
XXXX attached copies of my correspondence regarding this inaccurate reporting of my credit file.

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 2020-09-06 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: USCB, Inc.
State: AZ

Complaint narrative:
I discovered an unpaid collection of {$1200.00} on my XXXX  credit report. I proceeded to call the collections company listed on the credit report, Resolve Inc ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an Emergency Visit at  XXXX XXXX Hospital on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX Hospital and Resolve Inc. to get this matter removed from my credit report. I have disputed this situation with XXXX ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from Resolve Inc. dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. XXXX once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX Hospital sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX Hospital requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : XXXX, XXXX XXXX, Resolve Inc,  XXXX and XXXX XXXX XXXX XXXX am frustrated that XXXX will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Complaint Description As XX/XX/XXXX I was affect by covid 19 and was layoff I called card company and explain my situation as apply for XXXX XXXX  among the wait time and they put me on a temporary relief program as my payments were made every month on time prior. The relief program expire as was still not working due stay at home by the governor. 
I assume the relief program was over in XXXX as recieved a call from card company XX/XX/XXXX the rep said I owed {$130.00} this included late fees I think she said other fees I said still not working then said I owed {$52.00} paid XX/XX/XXXX {$110.00} as my bill generally {$50.00} per month and all my payments were on time prior to this, I assumed was next due XX/XX/XXXX as recieve a call today from XXXX XXXX XXXX it was verve collection saying I was more then 30 days late and need {$140.00} as could hear her that good. I explained my last payment XX/XX/XXXX made was {$110.00} that was get me to XX/XX/XXXX as the last rep XX/XX/XXXX did not say I would have to make a payment for following month as I assumed was due XX/XX/XXXX. 
Today rep was said AGAIN being charged all these fees as being affected by covid 19 and not working I asked her was this being reported to my credit report as past due over 30 days she said yes which should have not happen as I'm looking for a new job and every employer check your credit report as I work in finance and this is now going to affect me going forward as we being taken advantage of during theses trying times as looks like verve company is taking advantage of the uneducated consumer. I asked please help me as trying to get back on my feet and making payments to verve card company there looking milk the poor people in a difficult time in a pandemic and make a extra buck while doing so. I see continental finance has prior violations by CFBP before as the company was being monitored and seem like they are doing it again, I keep making payments each month and some extra and every month I'm still over the limit you call the company and they tell you everything is fine but continue charging hidden fees to purposely making make you over your limit. I have reach out to the attorney general office for regarding continental finance illegally business practices but seem not getting nowhere as of today I just got another alert XXXX I'm over the limit again when keep making on time payments and some extra payments seem that I will get caught up.

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 2020-09-06 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: NY

Complaint narrative:
I sent full documentation to Experian because i am a victim of identity theft. there response is to send to them the same exact items that i have already sent them, so please see again my FTC REPORT and ss and ID

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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has decided to start charging for an addon service that I never authorized. In the last three months i have made multiple attempts to get them stop charging for " Chase ACH Payments Monthly Fee. '' A service I did not turn on nor am I using. I was told the charges would no longer continue, but I am still being cahrged for this service and have to contact Chase every month to remedy this fee. 

To be clear, I at no point authorized this service. I at no point engaged in using this service. Chase has not been able to provide any proof of authorization for this service. Chase has agreed to no longer charge for this service and disable it on my account, but continues to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: NC

Complaint narrative:
I was sick with XXXX and was not able to make my card payment. I called them to and paid half of the balance off and set it up for automatic payment I ask them to waive the late fee and remove the late payment but it has not been done as of yet. 
Date Reported XX/XX/2020 Payment Status 30 Days Late Amount Past Due {$29.00} Account Details Bureau Name FIRST PROGRESS CARD Account Type Credit Card Responsibility Individual Credit Limit {$600.00} Credit Used 55 % Highest Balance {$330.00} Payment Details Amount Past Due {$29.00} Date of Last Payment Not Reported Monthly Payment {$40.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I filed an unauthorized transaction on charge I didn't make with PayPal Credit/ Case ID : XXXX. The Response was " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. '' Since this time the terms of my credit allow me to escalate the unauthorized charges, but the system doesn't work and no one answers the phone at PAYPAL.

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 2020-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: KEYCORP
State: WA

Complaint narrative:
This is a problem with KeyBank. I initiated a {$3000.00} transfer from my Cash Reserve Credit Line to my Home Equity Line of Credit on XX/XX/XXXX. The transfer from the credit line shows on my account as of XX/XX/XXXX, and I have been paying interest on that credit line since XX/XX/XXXX. However, the payment to the Home Equity Line of Credit has still not been posted, as of XX/XX/XXXX. I have paid interest on both accounts ( the Credit line AND the Home Equity LOC ) for a week. I called KeyBank on  XX/XX/XXXX, at which time they told me the payment would be posted by Wednesday, XXXX, XXXX. When the payment did not appear on my account by Thursday, XXXX XXXX, I called again. The KeyBank representative told me the payment could take up to 5 business days to post. Checking my account again on Friday, XXXX XXXX, the payment still hadn't posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
I was reported to the credit bureaus for owing XXXX {$4300.00} by Receivables Performance. I was never contacted by phone, e-mail or mail about this alleged debt. I never received an itemized statement from XXXX. I was never given the opportunity to dispute the amount in question. My credit is now tarnished because of improper service and communication on the part of XXXX and Receivables Performance.  My rights under the FCRA has been violated as I have been advised by legal counsel. In addition, I want both XXXX and Receivables Performance audited for past and current practices in regards to validity of debt and debt collections protocols and procedures.

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 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: Go Capital Holdings, LLC
State: NC

Complaint narrative:
This account was never late I refinanced the car and they reported it late and it should not have need GO FINANCIAL 30 DAYS LATE Auto Loans {$0.00} Status Date Reported XX/XX/2017 Payment Status 30 Days Late Account Details Bureau Name GO FINANCIAL Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/2017 Date Account Closed XX/XX/2017  Payment Details Date of Last Payment XX/XX/2017 Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current

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 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.

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 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XX/XX/2020, I have been trying to get this account removed off of my credit.

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 2020-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020 I have been trying to get this account removed off of my credit.

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 2020-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For many years, I had a XXXX XXXX XXXXSynchrony bank card. My credit history showed all payments were made on time and for at least the last few years my balance on this account has been XXXX. I have an excellent paying on time history. Recently, I was surprised to see on a XXXX XXXX report that my XXXX/Synchrony account was closed. I did not close it. For the last few days, I have been planning to call Synchrony/XXXX  to question this apparent error. Today, XX/XX/20, I received a letter from Synchrony Bank re my XXXX XXXX XXXX ending in XXXX, informing me after a review of my account, Synchrony decided to close my account stating the decision was based in Part on my credit worthiness re my score. My score was listed as XXXX. Moreover, had XXXX balance on this card for years and an excellent payment history with this card and with my other credit cards. 

None of the factors that were listed in the letter of XX/XX/20 are relevant to my long term XXXX balance and payment on excellent record of payment on time of my XXXX XXXX. As a result of XXXX decision my credit score has suffered. 

I believe Synchrony bank was unreasonable and arbitrary in closing my XXXX card. 

Accordingly, based upon the letter dated XX/XX/20, which I just received today, XX/XX/20, I believe it would be futile for me to contact XXXXSynchrony Bank to attempt to resolve this situation on my own. 

I thank the CFPB for their efforts in attempting to resolve this matter on my behalf

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 2020-09-06 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: NC

Complaint narrative:
This account was never late I refinanced the car and they reported it late and it should not have need XXXX XXXX 30 DAYS LATE Auto Loans {$0.00} Status Date ReportedXX/XX/XXXX Payment Status 30 Days Late Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/XXXX Date Account ClosedXX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current

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 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.

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 2020-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/2020-XX/XX/2020my debit card was stolen along with my wallet. A total of XXXX $ was sent to XXXX XXXX  and XXXX XXXX in that time frame, I have disputed the charges filed a police report and called and reported the card stolen my claim was denied for unknown reasons. Ive submitted all the nessasary documents including filing a police report and my claim was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company LLC continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. Enhanced Recovery Company LLC willfully and willing re-aged this alleged debt knowing violating the consumer laws for the FDRA and the FDCA.

Re-aging a alleged debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
In XXXX of 2020 I noticed a collection on my credited report from Sentry Recovery & Collections for two different amounts {$1100.00} and {$1100.00}. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.

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