vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Completed deed in lieu of foreclosure in XX/XX/XXXX with XXXX XXXX. XXXX never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from XXXX XXXX is non-existent after they get their money from you.

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 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY {$1300.00} with High Credit of {$1400.00} On XX/XX/XXXX I sent a letter over to Portfolio Recovery after noticing an account on my credit. They sent me a response with a brief summary with a balance of {$1300.00} that came from XXXX XXXX. There is no date of first delinquency provided. Letter they attached with a header saying XXXX XXXX and Portfolio owns it and was transferred on XX/XX/XXXX with a balance of {$1400.00}. This letter is not signed or proves they own the debt as it does not even look legitimate and how can the balance they transferred it to be {$1400.00} but Portfolio shows {$1300.00}. Bills sent with a due date XX/XX/XXXX Balance {$1300.00} ( XXXX ) But no info on bills from XXXX. Just a statement with a balance of {$1400.00} ( XXXX. ) address this in yet another letter on XX/XX/XXXX within the same generic response and packet. 

There are too many inconsistencies and I addressed this yet to Portfolio in another letter on XX/XX/XXXX and yet no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial is reporting an account as a DEROGATORY, I contacted Ally Financial on XX/XX/2020, as well as all credit companies to request information regarding this DEROGATORY account. To date, I have not received any information regarding this account and the DEROGATORY status.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been using this Capital One credit card since XXXX and have been on an auto-payment set up for the full due amounts every month. For the month of XX/XX/XXXX, I had a bill for {$2100.00} due on XX/XX/XXXX. 

In order to utilize the mileage rewards, I tried to make early payments, then I realized the reward would not be updated until one month after the payment. So, I canceled the one-time payment and reinstalled the auto-pay. Apparently, the auto pay was reinstalled for the XXXX bill, not for the XXXX bill, which I didn't realize 12 days after the due dates. XXXX XX/XX/XXXX, I checked back the website and was shocked to see the autopayment was not made for XXXX. so, I made the payment right away. 

On the XXXX bill, there were one late charge of {$25.00}, one interest charge of {$46.00} and another interest charge of {$22.00} for messing up the XXXX autopayment set up. Since I have been paying the total due amounts every month with the auto-pay setup since XXXX, I expected a one-time waive of the charges. The agent understood my situation and tried to remove the charges but was only able to remove the {$25.00} late charge and one interest charge of {$22.00}. He could not remove another interest charge of {$46.00}. I could not understand why there were two different interest charges for one 12-day late payments. When I got connected his manager XXXX, he also understood my situation and tried to remove it. But again, he said his system did not allow him and if he can not make the adjustment, no one in his company can make the adjustment and I have to pay the interest charge of {$46.00}. 

XXXXe additional issue is that I don't understand how the interest charge of {$46.00} ( dated XX/XX/XXXX ) and {$22.00} ( dated XX/XX/XXXX ) were estimated after the payment was made on XX/XX/XXXX. The XXXX is 15.65 % based on the contract. Thus, the annual charge to the due amount of {$2100.00} would be {$340.00} ( = $ XXXX*15.65 % ), which is {$0.00} per day. For 12 days, the interest would be {$11.00}, compared to the {$68.00} ( $ XXXX {$22.00} ). I understand that my simple manual calculation may be off a bit, but the charged amount is more than 6 times. 

Therefore, I would like to file a complain to Capital One that they charge too much interest on late payments ( or they do not explain clearly how the interests are estimated ) and their system does not allow to make adjustments on charges even if the billing department agent and his manager agreed to do so. 

Thanks for reading this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The Items I have identified and highlighted on my Chex System credit report. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-01-16 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: Avant Credit Corporation
State: IL

Complaint narrative:
AVANT is reporting an account as a DELINQUENT, I contacted AVANT on XX/XX/2020, as well as all credit companies to request information regarding this DELINQUENT, account. To date, I have not received any information regarding this account and the DELINQUENT, status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened Synchrony bank 2 % cash-back credit card ( PayPal credit card ) in XX/XX/2020. I have perfect credit score, was never late and always paid the balance in full. On XX/XX/XXXX, my credit card was closed by Synchrony bank without any explanations. 
My credit card is ending with XXXX. 
I called Synchrony Bank twice and was told the Bank can close my account anytime without paying any cashback. 
The expected cash reward {$420.00} was never paid. 
This is obviously a fraud.

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 2021-01-16 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following credit inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XX/XX/2020, XXXX XXXX on behalf of XXXX XXXX, XX/XX/2020, and XXXX XXXX on behalf of XXXX, XX/XX/2020. I am a victim of identity theft and have a recent police report on file with Chex Systems.

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 2021-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CAPITAL One Bank show duplicate accounts with the same number on my credit report with an incorrect account status as DEROGATORY. I have contacted Capital One Bank to get this situation correct as of today, Captial One has not provided an update or removed the duplicate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
after 9 months of waiing for my unemployment, ESD approved my claims and i was reembursed almost XXXX dollars to my account with chime bank. I didnt realise it was approved for quite sometime as the esd department was severely behind and mail and communications are very little to none. when i had finally noticed XXXX dollars was stolen from me. i contaacted my bank 3 times asking my avccount to be stopped. it never was. i filed police reports, sdtill nothing haopened. finally after a month they deactivated that card and i have filed well over 6 disputes requesting to be reimburs3ed. i XXXX filed identity theft because thid person has all my info. i reorted to credit bearues. XXXX XXXX had denied all requests on this dispute. i dont know what elso to do. it was banks error for sllowing my account to be active after i reported it was jepordized. i get no where with chime but i actively file a dispute the sme day they deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
on XXXX at XXXX XXXX and on XXXX Medicredit called my personal phone without my prior written permission at an inconvenient time leaving an embarrassing voicemail using obscene and profane language alleging I owe a debt in the amount of {$440.00}. On XXXX Medicredit called and sent out a letter harassing me with an offer to settle a debit I do not owe them. On XXXX I sent Medicredit my Affidavit of truth rebutting all alleged allegations. On XXXX at XXXX XXXX Medicredit again attempted to collect an alleged I do not owe them.

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 2021-01-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SYNCB/XXXX is reporting incorrect information on my credit report. I have contacted SYNCB several times to get my account updated. I have not received any updates on the account. The account still shows DEROGATORY.

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 2021-01-17 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: NY

Complaint narrative:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

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 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Tried to verify account they had wrong address associated with account from different state i dont live and never lived Ive always had medical insurance with the state I live in I was a victim of identity theft and had other accounts deleted of my credit report due to inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

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 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting account derogatory or delinquent. The creditors are saying they are not reporting this information to Equifax. Equifax and the creditors keep saying it's the other party reporting the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
THE BUREAUS {$710.00} On XX/XX/XXXX I sent a letter over the The Bureaus to get more information on this debt that I do not recognize. They responded with a letter dated XX/XX/XXXX with a summary of the details which does not make much sense. 

Date of last payment showing XX/XX/XXXX but the date of the first delinquency is XX/XX/XXXX which is 85 days after the date of last payment. Charge off date XX/XX/XXXX which would be 243 days from the date of last payment but 158 days from the date of first delinquency which I thought would be 180 days for charge offs. Also I sent them another letter on XX/XX/XXXX for more information because nothing made sense including the bills they sent to me. Bill due dated XX/XX/XXXX with a balance of {$530.00} XXXX XXXX ) then a bill with no due date just a balance of {$710.00}. ( XXXX ) Where are the bills from XXXX? 

On XX/XX/XXXX there was a settlement letter from yet another place called XXXX XXXX XXXX XXXX on behalf of The Bureaus but nothing about what I have been asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to Equifax to see where they received information regarding a Bankruptcy for XXXX XXXX XXXX. I sent a letter to Equifax from the Clerk, U.S Bankruptcy Court showing I did not have a Bankruptcy on my account. Equifax did not send or show how they obtained this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am being bombarded and harassed about a payday loan from a company called : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX USA tel : XXXX TrueAccord is a collection agency. We're reaching out to collect your outstanding balance of {$990.00} with XXXX  XXXX. You can pay or sign up for a plan through our convenient website. 

I NEVER requested any loan in XX/XX/XXXX! Or that entire year! 

The thing is, I dont recognize this company at all. I know that I applied for an emergency payday loan when our family was in dire trouble back at the end of XXXX. Around XXXX? I paid a company back IN FULL. Now this other payday loan company is just begging me to set up a payment plan for XXXX. I dont know this company, have no records of them and after XXXX  XXXX  got us sick and destroyed our XXXX, my family is barely getting by as it is. Now these folks show up harassing us for money non-stop is not helping things, much less we dont know who they are! Thats a lot more money too. We have XXXX little XXXX with XXXX and are barely surviving and these people are attacking us. Who are they and why did they show up suddenly blowing up our phone and emails. They are stalking my family. Maybe others know whats going on here or you can help? Thanks for everything you all do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: GA

Complaint narrative:
I have sent my change update of information to the letters to the credit bureau to update my name and address however to be reported correctly but the credit bureaus have fail to do so

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 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collections {$100.00} On XX/XX/20 I sent a letter over to Credit Collection after noticing an account on my credit with no response. 

I also sent a follow up letter on XX/XX/20 since I did not get a response and still have not heard back from them. 

This account comments shows that it was disputed and meets the FCRA requirements but I have no gotten any reply from them about this debt or the validity of it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have continuously tried to resolve this issue and have not gotten anywhere the stall tactics that have been used are a mere result of TransUnion not willing to give me a fair investigation that I have the rights to as a consumer. This is my second attempt through you the CFPB to gain a fair honest investigation and has been met with a closed investigation and told " they do not believe this is me or that I am being represented by a company '' I need to mail proof this is me. EVEN THOUGH I SEND A COPY OF MY ID every time. I'm simply a consumer who knows her rights and this inaccurate and seem to me not properly verifiable accounts need to be removed

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 2021-01-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian did not investigate. They updated information on the report without proper investigation.

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 2021-01-17 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: MN

Complaint narrative:
The following information listed on my XXXX  and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX  XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation