vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called XXXX XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.

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 2020-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
this is not my medical debt never had services with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: IL

Complaint narrative:
Remove information listed on my FTC reports!!

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Remove information listed on my FTC reports!!

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I HAVE HAD AM ACCOUNT WITH AMERICAN EXPRESS SERVE FOR WELL OVER 4 YEARS. HAD HUNDREDS OF DEPOSITS AND 3 TAX REFUNDS DEPOSITED TO MY ACCT. THIS MORNING XX/XX/2020 I WOKE UP TO AN EMAIL SAYING I RECEIVED MY UNEMPLOYMENT DEPOSIT. AFTER THAT MY ACCOUNT WAS LOCKED AND FROZE AND WAS UNABLE TO GET ANY INFORMATION AS TO WHY. NO WARNING NO REASON THE MONEY JUST DISAPPEARED AND ACCT CLOSED. I CALLED THEM WAITED ON HOLD FOR 6 HOURS AND SPOKE TO 4 DIFFERENT PEOPLE, 2 SUPERVISORS AND NOT 1 OF THEM COULD GIVE ME A LEGITIMATE REASON AS TO WHY MY ACCT WAS LOCKED AND SAID THEY WERE UNABLE TO EVEN SEE  MY ACCT BECAUSE ITS LOCKED. I HAD {$980.00} IN MY ACCT AND NO ONE HAS AN ANSWER. THIS IS UNACCEPTABLE. I AM NOT SENDING MY PERSONAL INFORMATION TO SOME RANDOM PO BOX . SOMEONE AT AMEX STOLE MY MONEY AND I WANT IT BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: NC

Complaint narrative:
Received an inquiry on a company that I did not authorize ; I did not understand that i was applying for credit with this provider.

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting Ch XXXX Bankruptcy on my credit report. This has cause me to be denied credit every time my credit is ran. This is not fair because I paid all my creditors with my retirement fund instead of filing a Bankruptcy. When I lost my job I inquired about ch XXXX but never entered into the chXXXX and I have a letter stating " Dismissed before Confirmation ''. I will attach the letter from the court and he letter I sent Transunion request it be removed. I this is defamation of character.

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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
SYNCB-Care Credit-I place a dispute on the company requesting proof of the original documents that were originated. I never received these original documents. 

Section 611 ( 5 ) ( A ) if the FCRA- if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item. Im requesting again to obtain a copy of the original documents pertaining to the account.

Please remove the inquiry from my credit report immediately, if original documents cant be provided. The inquiry has caused financial emotional duress.

XXXX XXXX ( formerly 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 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
It appears to me that the issue at hand ultimately defines itself as " Extortion. '' The lease ended on XX/XX/2020. I aked BMW financial services to extend the loan and was told, " Dear Mr. XXXX : Thank you for contacting BMW Financial Services. We hope you are healthy and safe, and we are here to assist you during this difficult time. Our records indicate that your balloon payment is due on XX/XX/2020. Regretfully, we are unable to extend the maturity date on a select account. '' It is unclear what it means by " select account. '' My understating of the above statement is that we do not care whether the entire world is in the pandemic and disaster. We want our money. 

The primary issue on this complaint is that the amortization calculation indicted as of XX/XX/2020, that I owe {$10.00}, XXXX ( see attached ). However, the payoff instruction indicted that I owe {$12000.00}. 

There is a {$1300.00} discrepancy. 

I sent two emails requesting an explanation. BMW financial services decided to ignore me and did not respond to my emails ( see attached ). 

I had to borrow money to send the extra {$1300.00} because I was afraid that they would intentionally and unjustly report me to credit bureaus. The pay off check was sent via XXXX. 

On XX/XX/2020, while the entire country was on lockdown, BMW financial services wrongly report 12 late  payments to three Credit Bureaus to intentionally demolish and destroy my excellent credit history. 

I have been filing the second complaint shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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:
FTC attached a SECOND TIME Experian claimed to not have received my FTC and identification and ss,, I am a victim of identity theft

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 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Portfolio Recovery Associates LLC have been extremely gracious regarding 3 accounts I had with them. After placing me on a hardship program regarding my having had a XXXX, XXXX XXXX, XXXX XXXX, and a XXXX child of mine being diagnosed with XXXX, they sent me letters relieving me of my debts. I paid on them as long as I could. The letters stated they were either considered paid in full or that I did not owe any more and that they would be deleted from my credit reports per their updated policy. They are still being reported and with the amounts I had owed, nothing has been updated. 
I have tried to reach out to them again and due to the virus ( I'm assuming ) I can not get any help. 
I want this published not out of malice, but because of their poor reputation and how reaching out anyway helped me more than they will ever realize, and how nice they were to me. I regret that I know no other way to resolve this and I do not believe it is being done to be hurtful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, so this not about a specific company per say, but an individual who claims they can give you more money than what you paid ( ie pay {$100.00} and get {$500.00} ). I paid him over XXXX with my Wells Fargo account with 4 separate payments of {$200.00}, {$100.00}, and {$200.00}, on XX/XX/2020 and {$250.00} on XX/XX/2020. Not only did he promise me immediate results ( how Id be able to get {$4000.00} by only paying {$300.00} ) he kept making me pay more and more under the guise that Id get my money back. He never gave me my money back and said he couldnt and never gave me anything at all. His XXXX is XXXX ( I also have many more screenshots of the conversation if needed )

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 2020-05-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a trip through XXXX on XX/XX/XXXX for a vacation to XXXX XXXX leaving XX/XX/XXXX and returning XX/XX/XXXX. I paid XXXX for the trip with my Citibank credit card on XX/XX/XXXX. XXXX canceled the trip and say they refunded my money but I was never refunded. I issued a dispute with Citibank and they turned down my request for a refund of my money. See below from the XXXX  site under my itinerary. 


Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX XXXX XXXX Room Type : Run Of House Rooms All-Inclusive ( ROH ) Check In : Sat, XX/XX/XXXX, XXXX XXXX  Check Out : Thu, XX/XX/XXXX, XXXX XXXX   Rooms : 1 Nights : 5 Occupants : 2 Adults Promotion : Up to 65 % Off With XXXX XXXX  Guest Request : Celebrating 18th wedding anniversary. Something romantic upon check-in if possible. 
Note : Guest requests ( specific bedding, adjoining rooms, smoking preference, etc ) are delivered to lodging partners as a request only, and are not guaranteed as a part of your booking. Hint : If specific bedding is required, it should be included in the Room Name ( e.g. King Suite ). If you have questions, please call Guest Support at XXXX. 
Your Activity Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  Rate Plan : Adult ( Ages 11 & Up ) Quantity : 2 Status : Canceled Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX   Rate Plan : Per Person ( All Ages ) Quantity : 2 Status : Canceled Payment Details PromotionUp to 65 % Off With XXXX XXXX Nightly Average {$400.00} Taxes & Service Fees {$420.00} Total Amount Of Vacation : $ XXXX ( total amount charged ) Full Payment {$2400.00} Date : XX/XX/XXXX, XXXXPaid : Yes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADULT {$330.00} Date : XX/XX/XXXX, XXXXPaid : Yes Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX  XXXX {$81.00} Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$2400.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$330.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$81.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Home Depot Master Card was hacked and info sold. 
XX/XX/2020 XXXX # XXXX XXXX XXXX, Ca. 
I went to home depot to buy a drill. I realized I forgot my card. I went to customer service and obtained a temp. Card. Customer service asked on which accnt did I need temp card for?? 

I then informed customer service I only had one account. At that time she told me that a person named XXXX XXXX OF XXXX, HAWAII. 
I DID NOT AUTHORIZE THIS ON MY ACCOUNT. I DO NOT KNOW THIS PERSON BETRAYED BY MASTERCARD AND HOME DEPOT APPROVING ACCOUNT WITHOUT MY PERMISSION. MY INFO SOLD. I IMMEDIATELY LOST TRUST AND CANCELLED MY ACCOUNT.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
Last night, XX/XX/2020, Bluebird by American Express randomly permanently closed my bank account along with thousands of others. There is no way to contact them other than to write a letter and no one is getting a guarantee they will be given the money that was in their account. My account was closed for suspicious activity which violated their terms, same goes for the thousands of other accounts. The suspicious activity they are referring to is my UNEMPLOYMENT being deposited into my account. I can not log in, use my card, or even access the money in my account which is almost 3000 . I was given no warning. And I have no idea how to get my money back. Its the middle of the pandemic and I lost my job. If you call the company it will literally just say your account has been permanently closed, goodbye and hangs up. This needs to be fixed. Im going to lose everything if I dont get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA IS GUILITY OF OBSTRUCTION OF JUSTICE. 1 ) USAA Refuses to provide Documentation upon Completion of Fraud Investigations per Statue. 2 ) USAA does Not Resolve Fraud within 2 billing periods per Statute. 3 ) USAA does Not Provide Timely Fraud Credits per Statues. 5 ) USAA posts SURPRISE FRAUD CREDITS XX/XX/XXXX {$460.00} HIDING DOCUMENTATION OF SPECIFICALLY WHAT TRANSACTION DATES FRAUD IS CREDITING ON WHICH CARD per statues. I have requested numerous times TO NO AVAIL. 6 ) USAA COLLECTS ON ID THEFT against Statue. See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS COMPLETED FRAUD INVESTIGATION. USAA Is this what the surprise credits are for XX/XX/XXXX?? IS USAA FINALLY PAYING FOR FRAUD THEY HELD ME LIABLE FOR FOR TWO YEARS?? THE ACCOUNT THAT DESTROYED MY CREDIT?? THE ID THEFT case XXXX??? USAA IS PROVIDING FRAUD CREDITS TWO YEARS LATE AND REFUSES TO DOCUMENT. Why????????????? ( 6 ) STATUES BROKEN WHY IS USAA ABOVE THE LAW ON ALL 6????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 not a credit repair person or a company, I am a victim of identity theft

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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-20 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: OH

Complaint narrative:
XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH 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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation