vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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:
Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX Bank for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX Bank was on my XXXX XXXX credit report. I asked XXXX and Experian to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are insane. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX bank line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!

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 2019-03-26 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with XXXX and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  AND THE ORGINIAL CREDITOR WERE BOTH LISTED ON MY CREDIT REPORTS FOR THE SAME ACCOUNT. 

XXXX XXXX  XXXX XXXX XXXX CHANGED THEIR STATUS TO " IN XXXX OFF '' AND CHANGED THE DATE OF ACCOUNT CLOSURE TO XX/XX/2015 THE ACCOUNT DATE AND AMOUNT IS NOT CORRECT ON CREDIT REPORTS ; XXXX, XXXX  AND 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 2019-03-26 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: RI

Complaint narrative:
National credit systems is reporting to my XXXX credit report a debt that is not mine that is ruining my credit. I have disputed this 1000 times. I have no idea what this account is and it is not on any other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
There is a hard inquiry showed on my credit report made by Bay Valley M on XX/XX/2018 that I do not recognize. I never applied for any type of loan from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
.Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This will be the same issue I have had a couple years ago when I contacted CFPB. For the past year PNC changes the order of posting and causes extra Overdraft fees at XXXX each. 
My account is listed as opted in. I know I will be charged if my account is overdrawn. But I don't feel I should pay EXTRA fees because PNC CHANGES THE ORDER OF TRANSACTIONS. 
In other words if you had 3 {$20.00} transactions in the clear and then you have {$100.00} last, PNC puts the XXXX first and then charges you FOUR {$36.00} fees. 
This is what they have again done to my account for the past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2018, someone gained access to my banking information and spent {$2200.00} from various checking accounts. We contacted Wells Fargo fraud department the day that the fraud occurred as I received several email alerts. in the following days, we met with the bank and thought we had the situation resolved as they provided a refund for the amount stolen. We went to the XXXX XXXX XXXX and attained a police report to document the fraud crime. In recent days, Wells Fargo decided to take back the refund and declared that we had insufficient evidence when we had already been through the steps to rectify the situation. We have done everything in our power to cooperate with Wells Fargo, but it seems that now they are refusing to honor the Fair Credit Billing Act and protect their customers.

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 2019-03-26 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: ID

Complaint narrative:
Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to TransUnion and XXXX. I would like the delinquent remark removed from my account and to reflect accurately on TransUnion and 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 2019-03-26 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: ID

Complaint narrative:
Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to XXXX   and Equifax. I would like the delinquent remark removed from my account and to reflect accurately on XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
.XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - Partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be last on an account that has a {$0.00} balance and {$0.00} past due.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX I requested XXXX XXXX terminate my agreement. After terminating the agreement they, continued to send me bills to my home under the name " XXXX XXXX XXXX '' at my address. 

I ignored the bills since they are not addressed to me. 

However, they escalated this by sending it to a collection agency. The company is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA is sending me a bill for {$120.00}. 
Account Number : XXXX NCI ID : XXXX Original Creditor : XXXX XXXX XXXX Number XXXX Account Balance {$120.00} Date XX/XX/XXXX The original XXXX bill was {$100.00}. 
Any Assistance would be greatly appreciated.

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. Trans Union and 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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing trying to get some clarification on my student loan. I have filed a complaint but still to no avail. I took out 2 student loans in 2008. Every time XXXX distributes money for my semester it shows as a new open account on my credit reports. My score just went down XXXX points in XXXX for a disbursement. Why do I have individual accounts on my credit report and I only have 2 loans. Is this legal? It is like double dipping. I look like I have 17 separate accounts and 2 original loan amounts. I need this to be corrected. I only have original documentation for the 2 loans. I also need my points back on my credit reports. XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To CFPB, I hate to inform you as I know you are obviously busy with all the others that insist on not obeying the law. Upon checking my credit I noticed that Trans Union had something on my report from some one named XXXX XXXX XXXX, and as I searched this I noticed that this company keeps adding new charges to the balance to which I do not owe. CFPB I'm demanding that you fine Trans Union for this neglect to even check things out, this type of reporting is slanderous and we are contemplating suing them over this. As you know I have suffered tremendously with XXXX and this is adding to the stress. Take care of this CFPB!!

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 2019-03-26 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: NY

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-03-26 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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Disputed the entry on my credit bureau report requesting debt validation. No debt validation received. Also, I have not received any written communications from this collection agency pertaining to the debt from XXXX. Right to dispute was never granted prior to placing the account on credit bureaus as a debt for collections and damaging credit ratings.

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am trying to get my free annual credit report. Equifax is the only one that wont let me access online. I have sent in my I'd and social security card in with the proper information and they always say they cant identify my info. I have tried this 4 times. They tell me to do the same thing over and over which I do. Then when i do that they say the same thing saying they cant identify me. This problem has been going on for 4 months and i am beyond frustrated and in desperate need of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I made some purchases at Walmart using my Walmart MasterCard and a promotion was applied to them for what I thought was deferred interest. I made a payment on XX/XX/XXXX and requested via chat on the website for the payment to be applied to three of those purchases. The payment is still not showing as applied to those purchases. I have done this frequently in the past and it has never taken this long for the payments to apply. 

I contacted customer service a few minutes ago and asked to speak with a XXXX about the delay. They are now stating that there are two types of promotions : deferred interest and no interest - and that payments can not be allocated toward 'no interest ' promotions. I was not made aware of this prior to putting the purchases on promotion and certainly would not have done so had I been aware. 

There is a printable certificate for special financing on their website - it does not make a distinction about two types of promotions and states that payments may be applied to these purchases. A copy of this certificate has been uploaded, along with a copy of my promotional purchases.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
On XX/XX/XXXX, I accesses the Barclays website because my card was declined for a past due balance. I completely forgot to add the auto payment when I received my card. That one was on me. So I went online and added my bank info, made a payment, set up paperless billing and set up recurring payments. I thought my account was ready to go just like all my other accounts. I have a perfect credit report and I do not carry balances on my credit cards.

Fast forward 2 months to today ( XX/XX/XXXX ) and I tried to make another purchase on the card and I was told that it is declined. I call the bank and I am told that I have a large balance that is past due ( it was due XX/XX/XXXX ). I tell them there must be a mistake because I set up auto payments. They tell me I did not. I think there is a bank website error. 

The Escalation manager is unwilling to help me even though I told him that I am planning to pay the entire balance on the card today. He said that he can not provide a late fee waiver because one was  provided previously unless it was a bank error. I told him that I think it was a bank error, but he is unwilling to help me and unfairly accuses me of not setting up my account properly even though he can clearly see that I had accessed the site in XXXX and had performed all the actions stated above. 

I have had nothing but problems with this Bank from the day I signed up for this rewards credit card and it has been the worst customer service experience that I have ever had. I work for a very reputable bank and we would NEVER treat our customers this way.

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