vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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: TX

Complaint narrative:
XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX  monthly on my TransUnion on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

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 2020-05-16 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: TX

Complaint narrative:
XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I cant access my credit report and scores

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Conn's, Inc.
State: NV

Complaint narrative:
CONN APPLIANCES INC., an account that was closed and charged off in 2015, has persisted with reporting charge offs every month. I have disputed this with the bureaus twice this year informing them how it is a violation of the FCRA and is inaccurate reporting. The creditor nor the bureau has removed the account in question as a result of their failure to follow the FCRA. This account has a total of 53 charge offs ( 4 years ) and has harmed my credit score tremendously. This is illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX collecting a debt of XXXX XXXX XXXX dollars. After reading this letter, I called their number to find out that I have not made a payment on a Victoria Secret transaction. I was unaware of this charge since I never received a bill in the mail. 
I then called Victoria Secrets customer care line. I talked to XXXX, who told me that I had made this transaction on XX/XX/XXXX of XXXX dollars. I asked him to inform me where this bill was being sent. He said that he was not authorized to tell me that information. However, he did tell me that the address that I provide him was not the same address they had on file. 
After ending the call with XXXX, I called XXXX XXXX XXXX to talk to XXXX XXXX. I asked him how they were able to send me this debt collection to the correct address when Victoria Secrets had been sending the bill to the incorrect address for seven months. 
Victoria Secrets had not been sending the bill to the correct address, they had not tried to reach out to me via phone number that has not changed. If they were to send me a bill to the correct address or tried to reach out to me in any way I would have made the payment in full like I do all of my other bills. 
By sending this complaint to you I am hoping we can resolve this issue in a reasonable matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a {$6800.00} limit on my Citibank card. It is under my Fsthers name, but I am an authorized user and use the card and make all the payments. 
I am a small business owner trying to make it through this pandemic. I am trying to find new ways to sell new products and there are some things I needed to use my credit card for as opposed to cash or check. Or at least it would have been more expedient. So, without having much cash on hand these days, I chose to pay down my citi card {$6000.00} in order to free up room to use it. 
The {$6000.00} payment was processed on XX/XX/XXXX, and then on XX/XX/XXXX Citi decreased my credit limit by {$6000.00} ... this has put me and my business in serious jeopardy. I dont have {$6000.00} to be pretty much wasted like that in a time like this. I would have just made the minimum payment if I knew this was going to happen. 
I have made all my payments on time and there are no issues with the credit bureaus as they claimed. There doesnt seem to be any valid reason for this move that they made other than to limit their exposure to other customers who arent paying their bill. 
They have me 10 different excuses why this happened, none of which made any sense. It seems awfully coincidental to me that I make a {$6000.00} payment, then 2 days later I get a email claiming some sudden issue with the credit bureau and they instantly lower my limit by that exact same amount of {$6000.00}??? 
We called the credit bureau as well, no issues. They said they didnt see why this would happen, there is nothing on their end that would explain this. 
This {$6000.00} is A TON of money for me and my business in these times. The consequences of them doing this to me could be catastrophic. I chose to make this kind of payment in good faith, and never thought I would be taken advantage of on this way, especially during these difficult times.

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 2020-05-16 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: GA

Complaint narrative:
Transunion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had mailed them with my request. The packet that I uploaded here is exactly what I sent them. They are requesting duplicate information.

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 2020-05-16 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: TX

Complaint narrative:
On XX/XX/2020, a collections account was paid in full/closed. It is my understanding that the credit bureaus have between 30-45 days to remove the derogatory information from my report. On or about XX/XX/2020, both XXXX and XXXX  had removed the derogatory information. As of yesterday, XX/XX/2020 ( day 45 ), Experian has still not removed the derogatory information.

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 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is a medical collection debt on my credit from a Commonwealth Financial that does not belong to me. I have disputed with all three credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. I have not went to this emergency room that they are claiming and I have never received anything about this debt from the original creditor. Also this would be a violation of Hippa to share any information if it were mine with this creditor. Please delete this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Ref : XXXX XXXX XXXX Violated Regulation E and Wrongfully Reported Me to Chex Systems, Consumer ID XXXX To Whom It May Concern : The information reported by XXXX XXXX XXXX to Chex Systems is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, XXXX XXXX XXXX in XXXX MD. I explained to the XXXX Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. XXXX  XXXX XXXX did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to Chex Systems, from XXXX XXXX XXXX should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. XXXX  XXXX XXXX violated Regulation E by denying my dispute and proceeding with closing my account. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX  XXXX XXXX could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX XXXX  XXXX could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card. 

XXXX XXXX XXXX should provide documentation proving they honored my dispute and conducted an investigation in accordance with Regulation E as I verbally requested in the XXXX XXXX Branch. 

If XXXX XXXX XXXX adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will be seeking legal counsel and will pursue a lawsuit against XXXX XXXX XXXX for slander, defamation of character and violating my federal rights.

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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This company is very harassing. They call repeatedly. Very childish and unprofessional. They call early morning or late night, and will hang up on you and call right back like they are a child playing a prank. 

I have asked to be not called repeatedly. Today they FORCED me to give other personal information just to get my phone number removed from their call list. 

Very unprofessional and not at all American. 

When I say get your robo- calls to stop calling me I mean it. 

Portfolio Recovery ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are just some of the numbers used to call me this month. They call multiple times, will hang up, then call my other number that forwards to the same phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Capital One website is extremely suspect, and misleading, making it virtually impossible to find any information about how XXXX if at all XXXX Capital One is helping customers who can't pay their credit card bills at this time due to COVID-19-related issues. This is particularly alarming and frustrating in a time of a global/nation-wide health crisis. 

Their website is a mess of links that keep you going in circles, purposely, it seems. In order to even find their COVID-19 " section '', you need to navigate endlessly through their site, and you'll find it buried in their " About '' section, not in the main page as a link, the way other financial institutions have done it. They have links to the CARES Act, and links to the IRS, but barely anything about how THEY, Capital One the private entity, are helping customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my Barclays Frontier credit card. I attempted to reach Barclays by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.

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 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2017 XXXX. I have called to resolve this issue. This account was open fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Payment with Chase credit card was due on the XXXX. I scheduled the payment for the full statement balance on the XXXX. I received a confirmation email, and inside the app it still shows the scheduled payment for the XXXX. On the XXXX, it now shows that Im past due, have a late fee attached to my account, interest being accrued on an incorrect balance. All attempts to reach anybody at customer service have had the automated system hang up on me. I need to know if a payment needs to be rescheduled and get the fees and interest waived, but cant contact anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Ref : Bank of America Violated Regulation E and Wrongfully Reported Me to XXXX XXXX, Consumer ID XXXX To Whom It May Concern : The information reported by Bank of America XXXX XXXX XXXX is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, Bank of America in XXXX MD. I explained to the BOA Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. Bank of America did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to XXXX XXXX, from Bank of America should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. Bank of America violated Regulation E by denying my dispute and proceeding with closing my account.

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card.

Bank of America should provide documentation proving they honored my dispute and conducted an investigation in accordance Regulation E as I verbally requested in the BOA XXXX Branch. 

If, Bank of America adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will seeking legal counsel and will pursue a lawsuit against Bank of America for slander, defamation of character and violation of my federal rights.

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 2020-05-16 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: GA

Complaint narrative:
TransUnion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

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 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief