vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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:
I am in the process of trying to repair my credit. I lost my job in XXXX. Got very behind in XXXX. I've paid off many accounts. I sent Transunion documentaction that XXXX XXXX XXXX XXXX XXXX has updated an account ( unsecured personal loan ). I asked the information be updated. Instead they reported it delinquent and dropped my credit score 39pts. I tried to do a online dispute. Their system said they couldn't verify me. I called and was on hold for 40mins. I was told the file was being handled by a supervisor. Then transferred to supervisor. Was on hold another 1hr 20mins. I had to hand up due to work. I'm getting ready to purchase a house and trying to correct items on my report. I sent another letter.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Reached out to company via telephone and email, no response.Requesting info be removed from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys XXXX XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt was paid previously to another company. It is listed with the exact same account number listed and exact same amount owed. I sent the receipt with the account number to them. They are refusing to consider this a settled debt because it was from another company. I was notified by credit monitoring service that this was on my credit report. I first spoke with them on XX/XX/XXXX. I have not received a validation letter from them as of XX/XX/XXXX. The debt should not be with them at all because it was paid XX/XX/XXXX. My flawless credit is bruised because of this inaccuracy.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Hello, I received an entry on credit report XX/XX/XXXX, XXXX in the amount of {$930.00}. I contacted XXXX  on XXXX XXXX XXXX ( XXXX XXXX ) and the collection agency they use IQ Data International in XX/XX/2020. On XX/XX/2020 I checked my credit report again and the amount went to {$930.00}. 
No one has sent me a written verification of this debt. I spoke with property manager XXXX XXXX  on XX/XX/2020 and all the charges she read, I told her was inaccurate. Some of the charges she stated are the carpet couldn't be cleaned because it was at the 5 year mark and need to be removed- {$250.00}. The tile around the bathtub couldn't be cleaned they had to refinish it.- {$250.00}, holes in the wall, damages to the mini blinds, and pet damages. All of these are false. I paid a {$200.00} nonrefundable deposit in order to move in and none of that {$200.00} went to supposed damages. Where did deposit go and what was deposit for? 
I asked if she could either email or mail me a copy of the invoice and pictures. She agreed but as of today I still haven't received anything. On XX/XX/2020, I mailed a certified letter to IQ Data International. I received the postal card back with signature of employee but no written verification of charges. The damages they said I made to apartment is false. I sent IQ Data International copies of the photos that I took when I moved out. I also sent them reviews of other tenants who had the same fraudulent complaints as me. This has affected my credit score and I am no longer able to get a place to live because these companies want to make money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been paying American Express in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with XXXX  to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased two money orders in XXXX from TD Bank for rent.Landlord inform me after 7 month that they did not got the rent for XXXX, then I went to the Bank to investigate .we found that Both money orders were already paid to a person name : XXXX  XXXX XXXX , who was not the original payee for the money orders. the payee was for XXXX XXXX XXXX XXXX. and they never received the money orders.Since then so many times I asked the Bank Associate about these, their answer is still investigation. Please help me out of this as soon as possible. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been paying XXXX XXXX in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with Experian to no avail.

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 2020-05-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2020 a fraudulent, full ID theft occurred, as a transaction initiated with USAA resulted in a withdrawal from my checking account with XXXX XXXX. 

An amount of {$3400.00} was taken out of my XXXX XXXX checking account. 
The information identified that the amount was taken by someone who gained access to my personal information with USAA. I was sent an alert by USAA, but I did not pay attention to the full information and action necessary on the e-mail. My fault. The perpetrator used an umfamiliar computer and USAA sent me a message, again, which I did not pay the necessary amount of attention to. There was an e-mail telling me that my e-mail address change was being requested. I did not follow the information provided and immediately call. This was a costly error on my part. I was uncertain if the source was real and wanted to avoid a spam occurrence on my computer, or be subjected to a phishing occurrence. So, I simply deleted the e-mails. Wrong action, again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed 4 inquiries that i didnt not make

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed 4 inquiries that i didnt not make

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: NJ

Complaint narrative:
ACCT XXXX XXXX XXXX ACCT # XXXX SEVERAL " LATE TRADELINES REPORTED REQUESTING REMOVAL OF ALL NEGATIVE MARKS REPORTED TO EXPERIAN

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 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This company has been charging me interest on my unpaid medical bill and its decreasing my credit score every month. They have not sent me a bill, and I only found out about them because I looked up my credit score. When I called on XX/XX/2020 at XXXX the representative informed me that there is a 10 % interest on my account. I have never agreed/signed any contract regarding the interest and I believe they are violating the Fair Debt Collection Practices Act which states that a collector may only charge interest and fees as they were outlined in the original contract. seeing that it was a medical bill, it never had an interest or fees agreement. The representative told me someone will call me and i also e-mailed them, so far no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc.
State: MT

Complaint narrative:
I have a debt with CB1 Collections Agency. I called and spoke with a representative on XX/XX/XXXX at XXXX XXXX trying to resolve the issue and pay the debt in full. She said she was unable to work with me and that she could not accept payment as they already filed in court. And that I would be served. As of XX/XX/XXXX, I have received no papers and they have continued to not allow me to pay the debt. They would like me to pay the fees for filing in court for a process server although I have never been served. This has now extended for two months and negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, Trans-Union is showing nothing, XXXX  is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX  be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX  appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, XXXX is showing nothing, Experian is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, XXXX, XXXX, AND SHELLPOINT SEE ( CASE NO.XXXX XXXX V. NEW PENN FINANCIAL ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I advised XXXX that I had been over billed and to stop calling me all day from different numbers. I disputed the original bill and heard nothing from them yet since that time I keep getting call from them daily and weekends..

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I have a chase credit card with link to mariott bonvoy account. I applied for the credit card in late winter ( XX/XX/XXXX ish ) I have been using and traveling with this credit card with no problem until XX/XX/XXXX. I was in XXXX XXXX, arriving on XX/XX/XXXX. I was using my credit card without problem. Up until that point, no late fee charges and had no disputes on my account. On Monday XX/XX/XXXX I was in a bus full of people, my credit card was in my bag which was being clutched to my chest. As I was exiting the bus, some patrons were not letting me off and I had to physically remove myself to get off of the bus. I was immediately concerned and checked my bag, noticing that my credit card was missing. I ran to my XXXX to connect to WIFI and call chase fraud alerts. I could not use my internet account because it was not linked up properly. I had called in XXXX to try and get it fixed but after waiting an hour was unable to do so. 

While waiting on the phone, in the XXXX XXXX, I received an email stating that chase had blocked a transaction of XXXX XXXX dollars. I finally got a hold of someone after 45 min to inform them that my credit card was stolen and needed to be cancelled. They informed me there were recent transactions of increasing amounts that had just occurred on my card of XXXX, XXXX, and XXXX which were posted. They informed me that they would list them as fraudulent and would delete that account and send me a new card. I returned home waiting for my new card to come in. Once it arrived I called to make sure the charges were reported and to set up my online account. The person on the phone was helpful and realized the account number that I was sent to set up my online account was missing a number. She helped me set up the account online and informed me that the charges were taken off of my account and the fraud department as handling it. 


XX/XX/XXXX I received an email that a letter determined that I received benefit from these ridiculous charges which occurred together. I immediately called and after 4th time of calling and talking to someone from Chase I was told that I was not being charged and that the letter was for the matter being closed. The charges would not be placed on my credit card. Today I logged into my account and found the charges there. I tried calling twice after being unable to dispute the transaction online. I emailed them and waited for 40 minutes with no response. I tried calling my local bank. I am extremely frustrated because y card was stolen, reported as fast as possible, and told it was taken care of ; only to be harassed and lied to without the ability to get someone to help me. I will not pay for the fraudulent charges and am hoping this will allow chase to contact me with people that are not lying to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My Online banking was hacked and someone stole {$1900.00}. It has been 5 months and the bank is refusing to give me back my money. A couple months ago I was on vacation in XXXX and my online banking was hacked. My vacation date was XX/XX/XXXX - XX/XX/2020. During this period of time my American cell number was inactive because I was using a XXXX sim card. On Tuesday XX/XX/XXXX while I was in XXXX, I recognized two unauthorized transactions in my savings account ; {$600.00} and {$500.00} was transferred to an account under the name of XXXX on XX/XX/XXXX and XX/XX/XXXX without my authorization. I tried contacting Bank of America about these transactions but it was difficult considering my american number was inactive. On XX/XX/XXXX the morning after I got back from XXXX, I went to contact my bank about these unauthorized charges and that is when I saw a third unauthorized transaction of {$800.00} that happened on XX/XX/2020. I filed my complaint with the bank and they denied my claim saying that an authorization code was sent to my cell number for these transactions, but I know that did not happen because I did not even have in my American sim card in my phone. I refiled the claim explaining to them that I had nothing to do with these unauthorized transactions and they have been sending me in circles ever since then. They won't reach out to me if they need additional information from me unless I call for an update and then they say " well we need more information ''. They ask for paperwork and I fax it to them multiple times with confirmation on my end saying that they have received the faxed files and then when I call they would say they have not received the files. they asked for a detailed phone billing showing my cell line activities for the month, I paid for the detailed phone bill faxed it to them then after a couple weeks thinking that my case is making progress I call for an update and they they tell me they need a letter from the phone company and not a detailed phone bill. I requested to speak to the investigator on the case, they said they would put in the request and it has been two weeks and I still have not received a call from the investigator. This has been a really frustrating experience because I am currently a college student and the money that was stolen was basically all of my savings. Bank of America has not once shown sympathy for my experience or even apologize for the inconvenience they have caused.

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