vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-04 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.

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 2018-07-04 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: DE

Complaint narrative:
On XX/XX/XXXX I sent a dispute to the XXXX  at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/XXXX and XX/XX/XXXX respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/XXXX and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and XXXX  and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my PhD and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.

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 2018-07-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently checked my credit report and I noticed Bank of America submitted a 30 day late payment to credit bureaus. It states for XX/XX/2018. But I paid the car in full XX/XX/18. Payment was due XX/XX/18. I also have a grace period. I have never been late in any of my accounts with Bank of America or other creditors. I never received a call from anyone in their collections department for late payments or anything. I tried to call and find out whats going on and I am told a supervisor will call me back. I never received any calls back. At Bank of America even one day after payment is due and they havent received it the calls start. I feel as if this company is being unreasonable and not treating the situation as it is. I have paid off 4 vehicle threw them and was NEVER late. Please help me fix his issue. My credit has dropped over 60 points because of this.

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 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy Citibank credit card that had been charged monthly for a " debt protection service '' that I was unaware of. They had been charging my card monthly for years. The company refuses to provide proof that I willingly signed up for this predatory " service '' which has charged me thousands of dollars over the years. I have contacted them multiple times and no one can ever give me accurate information. They tell me a date that I signed up, and that's it. I did not even know this service existed, what purpose it served, or that I had been enrolled in it. The company can not provide proof that I signed up for the service willingly. This is a scam.

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 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I received a refund from XXXX in the amount of {$12.00}. The refund had been credited to a Chase Bank account that had been closed. I contacted Chase and asked them why they would credit money to a closed account in the first place. I requested that funds be made available immediately and was told a check would me mailed out. I did not receive any check, and get no answers when contacting the bank. I have dealt with this kind of service from Chase Bank in the past, which is why I closed the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: TX

Complaint narrative:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with Experian and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
NAVIENT/XXXX  are reporting a fraudulent balance. A pass due balance of {$13000.00} and a write-off of {$23000.00}. 

This account was transferred to XXXX more than seven months ago, according to information being reported in the report of XXXX. 

It is requested the credit report of XXXX XXXX reflect a closed status and XXXX balance. 

NAVIENT/XXXX does not currently have an interest in this account, has failed to produce any proof of interest in this account, never obtained any collection agreement - nor collected a single dime, and, has subsequently relinquished the account to XXXX. 

Additionally, the account appear poised to drop off all credit reports about XX/XX/2018. 

This will be the third attempt to get this information corrected through CFPB. The previous two file numbers are : XXXX and, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been told by several financial institutes that my Equifax report is no longer existing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: TN

Complaint narrative:
On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. 

Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. 

My debit card is issued through XXXX and when called, they said that they could not do anything about it. 
I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! 

That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! 

The owner and the management should be behind bars for numerous felonies.

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 2018-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I mailed via the US Postal Service the requuired documentation to Equifax. I provided a copy of my drivers license, a copy of my passport, a copy of a cable bill and a copy of my electric bill in an effort for them to send me a new code to unfreeze my Equifax account. All the informnation had the mailing address where I currently reside The information was sent by first class mail to their XXXX, GA post office box. Accounting for the time in transit and the weekend they should have received it by XX/XX/2018. 

According to their website once they receive the information I should receive a new coder within 10 business days. As of XX/XX/2018 I have yet to receive a code from them to unfreeze my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04 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:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD  has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX  and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED  ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I received a credit alert ( XX/XX/XXXX ) that a late payment was posted to a credit bureau. When I contacted ( XX/XX/XXXX ) XXXX they sent an Email telling me there was no balance on my account. I then received another Email ( XX/XX/XXXX ) from XXXX to check my account. Because I didn't have the account number I could not access the account. 

I then received a call from an agency requesting payment. I asked them for the account number but they refused to give it over the phone. They said they would mail it to me.. I had made 3 payments of {$40.00}. On XX/XX/XXXX i received a bill in the mail showing I owed {$120.00} After over an hour on the phone I found that the {$120.00} interest free purchase I made their was a balance of {$9.00} and fees had accumulated to a new balance of {$120.00}. I talked to customer service and tried to explain that I had contacted XXXX and was told there was no balance but they explained they were XXXX XXXX and not XXXX XXXX.where I had made the purchase. 

As you can see from documents I submitted XXXX and XXXX XXXX appear to be the same.

Company response to consumer: Closed with explanation