vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-02 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
My credit card bill was paid on time but paid twice in the amount of {$1100.00} x 2. My bank reversed the duplicate payment, because the credit card company refused to refund the overpayment. Now, the credit card company has issued a {$35.00} charge as a Returned Payment Fee. I did not expect to have to fight to get my money back, and I certainly didnt expect to be charged for it. My bank is also looking into the matter, but there has been no resolution to date.

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 2022-06-02 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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:
My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months Experian, XXXX and XXXX never updated my credit score on a timely manner

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 2022-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I XXXX  from XXXX XXXX in XXXX. My student loans were serviced by XXXX. I struggle to pay for my student loans and every time i called i was placed in forbearance. since XXXX I filed bankruptcy in XXXX, had my tax refund withheld because I was so behind in payments and today still owe over XXXX in loans. I finally refinanced my loan privately two years ago so I wouldn't have to deal with them any longer. Of course right after i refinanced then the pause on student loans was enacted and the ability to apply for student loan forgiveness was implemented which know i do not qualify for. I have worked in XXXX  at a XXXX XXXX  for the last XXXX years. I am trying to get information from XXXX about the XXXX Settlement to see if i qualify or what can be done. I call XXXX and they say they aren't handling that and have no information for me and hung up. I went to the website XXXX XXXX XXXXXXXX where it states people entitled will receive a post card in XXXX. well I didn't get it or if i did it was thrown away by accident. They list a phone number XXXX but when you call it, it doesn't give you an option to speak with anyone, just states what's listed on the FAQ page and hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Dealer Finance of Western Kentucky
State: TN

Complaint narrative:
My now ex called and talked to dealer fiance of ky his self he paid XXXX payment well we broke up 6 months later he calls them n request his money back they give it to him without taking to me nothing I'm the only one on my car n no one is to talk to them but me I didn't find out till months later qhen they refused to take my payment by phine like I always pay cuz they messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Used it with no issues locally and on a trip to XXXX. Been making XXXX purchases using it all month. Today I tried to use it at Best Buy in my local market using Chip terminal and it declined. I opened the app suspecting a fraud alert and sure enough. They force you to call instead of validating through the apps 2FA style. Phone calls are poor security for social engineering but they choose to do it anyway. Rep places me on a 7 minute hold and then ASKS for a phone number to call back to validate. How would that validate anything if the caller provided it? They should call the number on the account only. So she calls and then " clears '' my account. Try again and it fails. At this point I use my XXXX card to complete the purchase because I can't keep going in circles. After I leave I call Citi back and they say its locked again... Wow. She then hangs up while investigating. Call back again and this time ask to be transferred to general CS and get XXXX. XXXX tries to help but says he can't help validate my account because my credit report is frozen. Well yes it is but there is ZERO need to hit my credit report to validate an account. I decline since he has literally all of my other validating info including card data, security phrase, and they can see I am calling from the number on the account. I ask to cancel and they say they will have to send me snail mail to validate my account to cancel. I want to cancel this card immediately and want my {$450.00} annual fee waived since it hasn't even been a month and they are dragging it out longer. This entire process is unacceptable from validation to usage on chip and pin. What if I was in XXXX? I'd be completely stranded!

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 2022-06-02 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am very frustrated and saddened that this keep happening. I been trying to close this card for years and this company would never close it. I don't use this card at all. I recently checked my credit and they put a late payment on my credit that is not correct. They are saying the annual fee of the card caused me to be late. 

I didn't charge this card or purchase anything so a annual fee can not be counted as a late payment. Remind you I been trying to close this account for years. They are taking advantage of me by keeping this card active so I can pay them a fee every year which is fraud. 

they have done this a few years and its a violation of the FCRA. I have never been late because i simply dont use the account and it should be 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 2022-06-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I didn't receive enough information to validate MEDICAL DEBT. 

Date : XXXX XXXX Sent Debt Validation Letters for account numbers XXXX ( XXXX, XXXX And XXXX ) Sent letters to Ability Recovery Services LLC ; XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/2022 Response : Ability Recovery Services llc has sent back documents containing only charges, no other acceptable documents providing validation of debt. 

I requested the follow A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to them. 

They send me the following attached documents. They have not provided me with the thorough breakdown of all alleged charges, provided me a copy of my signature from the provider showing my request to release information to them etc..

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 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am receiving phone calls regarding this debt, claiming it is not being paid. The debt is an off-set through the treasury that has been coming out since XXXX XXXX and should complete XX/XX/XXXX. Less than half or NONE ( according to some of the calls ) have been collected. The treasury automatically pulls {$260.00} each month. I have receipts. I do not know where the money is going once it is pulled. I simply have documentation that states the money has been pulled for a debt. For this reason, I am asking the company to refrain from their phone calls as money is being pulled from my account. I am working on where it is going. If you have questions, contact the treasury or the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We started with thus loan in XXXX at the price of XXXX. As if to date XX/XX/XXXX we still owe XXXX, XXXX 7 years later. We have yes asked a five extensions due to covid but have been making payments of over {$400.00} a month on this vehicle and we have only had a little over XXXX dollars put towards principle. There is a problem. 
There are 24 other people that we have on a list that are going through the same issues as we are and hundreds more on Consumer reports concerning Regional Acceptance. Our Vehicle is still in the whole. Need help. 
Sincerely, 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 2022-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I learned Home Depot had lowered my credit limit because of inactivity. They say they sent a letter. However, I never received it. I only learned it had occurred because of a XXXX alert. It lowered my credit rating by 3 points. I had never had a late payment and the account had no balance and was 11 years old. I spoke with two managers who told me they must pull a credit report to reinstate. This would result in double jeopardy since my credit report would take a hit for an inquiry. I have excellent credit, but they refused to do anything without a new credit report. I dont want to close the account as that would also be reflected in my 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
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NE

Complaint narrative:
Debt was paid in full XX/XX/22 to XXXX XXXX a subsidiary of XXXX XXXX. They have told me they have sent over their paperwork to relieve me from collections 3 times, when I contact the collection company they try to intimidate me into making another payment for the full amount. I have filed a few disputes with XXXX as well as XXXX, they reply with statements saying amount is accurate with no representation for me, I have provided copies of payment and still reporting as in collections even though XXXX  says I do not owe and debt was paid in full

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 2022-06-02 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here adoes not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXMidland Cred {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company . I attached a copy of credit report as well. i could not attach on the next page

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a written request via certified mail to EQUIFAX requiring that they remove numerous inquiries from my credit report which are being furnished in violation of federal law to begin with. These inquiries are contributing to an immense amount of stress in my life and prohibiting me from conducting consumer transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: SC

Complaint narrative:
Equifax has placed a fraud hold on my credit report. I have repeatedly sent the requested information to prove my identity to remove the hold. This information has been sent by certified mail, fax and email ( requested by Equifax even though they do not accept documents via email ). I am unable to secure an apartment lease due to this fraud hold and Equifax can not seem to find the documents that they continue to request

Company response to consumer: Closed with explanation