vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 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: OH

Complaint narrative:
Transunion reported to XXXX XXXX that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!

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 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Ive had the Walmart credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time.

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled.

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create.

They lied, their business practices do not keep the consumer in mind, and something should be done to 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 explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Auto Trakk, LLC
State: KY

Complaint narrative:
Autotrakk LLC has repeatedly harassed and physically threatened me, and went as far as sending a strange repo company to my home during the nighttime, while I was at home with my small children. The first reposession company that came to my home was represented by two men, and they had one of the employees call me a XXXX. I told them that I would call their boss, and the person stated that I own the company maam! I was scared to the point of soon moving out of my home. I was wishing to be done with their tactics, and soon turned the car over to the second company that they sent to my home. They still sent the Sheriff to my house, after the car had been gone for months!!! I still had paperwork to prove that I turned the company over to someone sent by Autotrakk, and the sheriff advised that he would take care of it for me. They report incorrect information, and use threatening tactics in an attempt to XXXX  people. I have documentation of the full balance changing several times. I was told that they either need the full balance, or their vehicle back. I should not be held liable for both!!! wish that I would have consulted with a lawyer, but I am giving them the chance to rectify this through this complaint, and to leave me alone, and remove this erroneous information from my credit report. The financial and emotional distress that this has caused me, during a transitional period during my life has been beyond words. I am saving up to get a lawyer to defend me against this shady company and their violent tactics and untrue reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
After negotiating a payoff amount of the loan, and sending payment on the mortgage. SunTrust has failed to send satisfaction of mortgage notice to the county clerk. I have requested of them to comply with the law and have them then quotes from the law.

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 2019-05-22 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: NC

Complaint narrative:
I have contacted Experian via phone on XX/XX/2019,XX/XX/2019,XX/XX/19,XX/XX/19 regarding inaccuracies on my credit report. I provided my FTC number regarding the identity theft that has taken place. I was advised that once I uploaded the report that the information could be removed. I spoke with a rep who refused to remove it even though the information is inaccurate and not true. I am upset that the information has not been corrected.

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my free annual credit report and they charged off all my credit cards without a judgment. It is an on going problem. I have very low credit. I just had it pulled for XXXX XXXX in XXXX XXXX XXXX. I reported it with you web site before XX/XX/2019 to repair my credit and work with all my credit card companies. I sent it online through tweets in twitter credit report company site in XX/XX/2019. I pay a little every month until I can pay the full amount and they all may not report it to the credit agencies people. I missed out on renting at XXXX XXXX because my credit score was under 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 2019-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Earlier this year, I submitted a claim that was resolved and received a message that the credit of XXXX is now permanent on my account on XX/XX/2019. 
Claim ID : XXXX On XX/XX/2019, I had a Temporary credit Reversal to the amount of XXXX referencing that same claim. I did not receive any messages or warning that this would occur. 

I have called back to Bank of America 5 times in the last 5 business days. Each time I called, I was transferred to the claims department who told me that it was an error on their end and that they would follow up with me regarding it. However, there has still been no resolution and I have yet to receive a call back from anyone at Bank of America.

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 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I got this card at an XXXX store. I went to go use it and apparently my first payment didn't go through because I typed the checking account information incorrecly. They never emailed/mailed me anything to let me know. When my card was declined I called them and they told me so of course, I paid it immediately. I then asked if they could un block my card and they said it would be 6 months. So I told them I didn't need that because I have amazing credit. I asked them to close the account that same day XX/XX/19. I asked the girl on that conversation and she confirmed my account was paid in full. I asked if I would get anymore bills and she said no. Then when I got another bill in XXXX I emailed them and they said they closed my account on XX/XX/19 but they had added some fee. AFTER I asked the rep and they told me I didn't owe anything! Which means either the girl lied to me or they added it and back dated it once I closed my account. 

Then today on XX/XX/19 I got an alert that my card was attempted to be used in XXXX. These people are liars. How can someone use a closed credit card? How can I make these people GO AWAY??? I attempted to make this right and they just keep making mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-22 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: TX

Complaint narrative:
Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX   this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on 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 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: TN

Complaint narrative:
I first learned of this debt when I saw the debt on my credit report. I filed a previous complaint with CFPB on the basis that I had never been notified of the debt before it was reported to the credit bureaus and I still had not received notification of it at the time of filing the complaint. ATG claimed they sent me notification, but provided an incorrect mailing address and would never verify what phone number they claimed to have been calling. That complaint was closed without any resolution. 

Subsequently, on XX/XX/2019 ( 5 months after reporting the debt to the credit bureaus ), I  received the first notification of the debt with an accounting and a copy of the " contract '' with XXXX XXXX   XXXX that purportedly provided the basis for the alleged debts. The " contract '' consisted of a merchant application and a terms and conditions document. The " contract '' is invalid and unenforceable and does not provide a means for collecting these alleged debts. 

I completed the merchant application, but immediately above my signature there was a box to check indicating that I received the terms and conditions document. I specifically did not check this box because I was never provided with the terms and conditions document ( I was only given the merchant application ). I was never thereafter provided with the terms and conditions ( not that providing them after the fact of signing would be valid anyways ) and the first time I saw this document was when ATG sent it to me on XX/XX/2019. I am attaching the email I received with the merchant application so you can see that I was not provided with the terms and conditions and the completed application I returned to them. 

I never agreed to be in a contractual relationship with Integrity. A valid contract requires offer and acceptance of the terms of the contract. As I was never provides with the terms, there was no acceptance of the terms and, hence, no contract was formed. If somebody were to claim that by my signing the merchant application, I unwittingly entered a contract, such contract would be void as unconscionable due to the unfair surprise of attempting to bind me to contractual terms that were not provided at the time of contract formation. 

There is no valid contractual basis under which Integrity/ATG can seek to collect these debts that are allegedly owed. My personal credit and reputation are being damaged by these illegal attempts to collect this debt.

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 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Ive had the Synchrony Bank/XXXX credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to 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 explanation
Consumer complaint received 2019-05-22 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: OR

Complaint narrative:
After submitting requests for a free credit report to the three relevant agencies, credit report services one and two, promptly answered back with current reports. However, equifax, refused to send siting more information needed even though the same information was provided for them as for the first two. After several attempts to provide what they needed, they continued to ask for more information - which we are loath to supply given they have had security breaches in the past and shouldn't require more or different information than the first two agencies.

Attached are partial summary sheets provided by the first two agencies to prove they should be able to provide the information that is rightly mine : the third and final credit report. Thank you for your prompt attention to this so that we may move forward in life. 
With Gratitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unknown Hard inquiry by : XXXX XXXX XXXX XXXX New York XXXX Inquiry Date : XX/XX/2018 Reported to : TransUnion & XXXX K

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 2019-05-22 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: GA

Complaint narrative:
I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX  XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from 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 non-monetary relief
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Ive had the JC Penney credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. 

They lied, their business practices do not keep the consumer in mind, and something should be done to 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 explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hard inquiries dated XX/XX/XXXX ( several ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I did not authorize. Contacted Transunion on XX/XX/XXXX and their customer service would not help and take care of the negative inquiries reporting to your 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