vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
Received letter mailed XX/XX/21 that identified me as a counselor for a client. I am not a counselor nor do I know the client identified in the letter. Indicates that the bank routing and account will be debited for the payment amount " authorized '' by the client. Again, I am not the correct party for any of the notifications and have no contact with either the firm nor any client/creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XX/XX/2021 I downloaded my credit report from Transunion. On that webpage was a button I could press to get my credit score from Transunion. I pressed it, got a website to enter my information and saw an agreement to authorize Transunion to check my credit reports at various credit rating agencies. There was no language about authorizing any charges on my debit card. The website asked for the number on my debit card which I submitted. I was expecting to receive a FICO 8 or FICO 9 score because I had planned to request a credit card soon. I also expected the report of my credit score to be free of charge. As soon as I pressed the button to transmit my information I got a fraud alert from XXXX XXXX XXXX XXXX about fraudulent charges on my account in a text message on my mobile phone. I reported what Transunion had done to me by phone and the agent at XXXX gave me a number XXXX at Transunion to fix the problem. 
Transunion tried to claim that I authorized the charge and that I also authorized continuing monthly charges of {$24.00}. I was outraged and let the lady at Transunion know it, let her know that this could be prosecuted under the RICO statutes as felony fraud. All she would do is to stop the subscription and continuing fraudulent charges to my debit account at XXXX. The credit score I received was a Vantage 3.0 score which is available for free from XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX. 
This charge of {$24.00} for something that is free is outrageous, and clearly felony fraud. 
Any merchant must clearly specify if charges are to be made before making charges. To the maximum extent possible I request the fraudulent charges be removed and that Transunion be investigated by FBI under the RICO statutes.

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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXXXXXX, Equifax, and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! Equifax had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that Equifax completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXX, XXXX, and Transunion. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

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 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
I had noticed several unauthorized transactions on my netspend prepaid card. I noticed theses transactions on XX/XX/2021the transactions took place Saturday XX/XX/2021. I did not recognize the merchants name and it was four transactions in total on my all access net spend card. I contacted netspend in the secure email area on the on line banking netspend app. Sent them a message asking them to find out who and what this is from and dispute the charges. In the interim, I did some online research of said company in question. Turns out this is an online us casino. I explained to netspend that I have four roomates in my home when they asked me how did some one get access to my account. I said it's rather simple if my purse is or was unattended for awhile, I take showers, go check mail, walk my dog ect. All with out bringing my purse with me because I would think your purse is safe in your own home! So a couple hours later netspend sends me and email asking for me to call the right away. I call all to be told by a rude representative who I could barely understand say netspend locked, blocked and closed my account due to suspicious activity. I said what? The representative hung up on me!! I called back getting another thick accent representative, I was told the same thing once again however I said ok. That's fine but I need my money off of the cards that are remaining. The rep mumbled something and again hung up! I've tried sending netspend emails, three to up until today 's date .. I have received nothing no correspondence back. I have money on the account!!! On top of that my stimulus check is in route, I told netspend that the second phone call I made, the rep said well the irs will just send it in a paper check. I said wow ok but I still have over XXXX in the acct now as we speak that they are refusing to return. I need help, this is beyond wrong. I need help immediately. Please some one help me!!!

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 2021-03-14 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: VA

Complaint narrative:
1 ) My credit application was approved on XXXX XX/XX/XXXX 2 ) Account totally paid off XX/XX/XXXX 3 ) I, Myself, closed the account ( not that the XXXX Credit card company closed it on XX/XX/XXXX!! 
4 ) the following was initially shown in the 3 credit bureaus ( XXXX, experience, Transunion ) reports : ( a ) all 3 credit bureaus the account have been paid in full and closed by the holder ( myself ) on XX/XX/XXXX ( b ) That the XXXX credit card company charged-off my account till XX/XX/XXXX!!!! 
5 ) after my first dispute and the investigation done buy the 3 credit bureaus, the following shoed on my report : ( a ) XXXX : adjusted the error and took off the charge-off totally because the account never have been charged of. 
( b ) XXXX  and Transunion : the reduce the Charge-off ( CO ) form all the way to XX/XX/XXXX and make it only for XXXX and XXXX of XXXX.!!!! which I disputed again and in progress. 
- However, how come that an account can ever be charged-off ( CO ) after it has been paid in full and closed by myself, the account holder!!?? which is what is appearing till now on the experience and Transunion reports. 
- Myself ( card holder ) and XXXX ( credit card company ) DO NOT disagree on what happened, but ironically enough that the remaining 2 credit Bureaus ( XXXX  and Transunion ) disagree with both myself and the credit card company and making up this " CHARGE-OFF '' ( CO )!!! and they are determined to XXXX up my credit, putting in mind that this is the only negative item on my report and used to have 17 credit card with " exceptional '' payment history ; I closed 11 and still the other 6 that I am keeping still have " exceptional ' payment history!!! So I just picked one of the credit account m which was opened only for 2 1/2 months, to XXXX up my entire credit history and my score. Can anybody gives me his brain here pls!!!!????? 
it is like I am guilty regardless if I presented the prove of my innocent as long as they decided what did occur and nothing to do with what actually took place and even both parties ( myself and teh XXXX CC agree on that did occur!!

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX  ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near XXXX and I must keep it there, I always pay my bills, but I do not owe this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the USA at least two times per year all this during these 13 years because I was preparing myself to work as a XXXX XXXX  because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to USA because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I have submitted a transaction via xoom which was cancelled after I was charged. I received an email saying that I was not debited but I was. I would like a refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these 13 years because I was preparing myself to work as a Software Engineer because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a Software Engineer ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on all 3 credit bureau 's XXXX XXXX XXXX 
I have disputed these alleged charges for years, due to identity theft, I attempted to file a police report in 2017 just to be told it's not a police matter it's a civil matter in which the report wasn't accepted at the time. The FCRA states my rights clearly being violated by this collection I am requesting termination an removal of this collection, immediately due to inaccurate reporting, anyone say send a bill saying you owe, but there's been no written Signature or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I did NOT ask to apply for this card from SYNCB/SAM 's Club DC. However, I was approved for the card on XXXX XX/XX/2021. I immediately called the card company on XXXX XX/XX/2021, from the Sam 's club that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report.

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.

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 2021-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/21 I sent the Bureaus a letter in dispute of INACCURATE/ FALSE reporting I found on my credit report. I feel that these accounts are adversely affecting my credit report and because of it I pay thousands in interest every year. I need this problem fixed ASAP I will not wait another 45 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. 

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I'm also a victim of the XXXX Data Breach, you all are violating my rights as a consumer!

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 2021-03-14 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: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
A third party company that buys debt " profile recovery associates '' puts the wrong date on credit reports. After they buy a debt they bring a new claim to the credit bureaus which appears on your credit report twice. Once under the orginal debt and then again with a new date with their company name " profile recovery associates ''. Their tactic extends the time the debt remains on credit reports. I had the delicates removed but now two bureaus XX/XX/XXXX and XX/XX/XXXX have failed to remove it after an investigation. Only XX/XX/XXXX removed it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation