vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: FL

Complaint narrative:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Hi, I got charged by my bank ( PNC ) for a cash advance fee for an " overdraft '' protect feature which I believe had already been turned off. 

I over drafted my checking account on XXXX, and immediately fund the account as soon as I realized it. The bank funded my checking account by drawing a cash advance from my credit card account via overdraft protection feature and charged me a {$170.00} cash advance fee. I believe I've already disabled this feature. I called the bank asking about the charge, 2 persons, one from checking and another from credit card, both told me that they saw the feature was off - they escalated the issue. However, when the representative from the escalation department called me back, he wasn't able to resolve the issue. 

The cash advance fee was way higher than what i would have been charged for overdraft. Not sure why the bank would even call it protection. The bank didn't notify me when my account was overdrafted until the next day, otherwise i could have fund the account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18 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: FL

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the  disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-06-18 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: FL

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f  ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: NH

Complaint narrative:
1 1/2 years ago my identity was compromised resulting in this on my credit : XXXX XXXX XXXX CC Opened XX/XX/2016 {$1700.00} I want it 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 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United Group Inc.
State: NV

Complaint narrative:
This loan was defaulted do to them not working with me on payments the loan was closed and written off but they still continue to add XXXX dollars every month to the amount even with no open account and a profit and loss write off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Ccs Collec..Reported on my credit report XXXX  2 collection from XXXX XXXX and XXXX XXXX.Both this accounts did not belong to me i ask for a prove and they do not haved. I do not have any policy under my name and i do not have a car under my name.All the information that they have are incorrect.The are over 140000 complaints against this company they try to brake down peoples credit and XXXX just for money.They have no real prove to provide against me they told me that they get those info from a third party agency and they are not responsible to provide a prove

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NH

Complaint narrative:
Remove all written statements. I haven't asked for any statements, and if I did, I want them to be removed from " credit report ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NH

Complaint narrative:
Remove all written statements. I haven't asked for any statements, and if I did, I want them to be removed from " credit report ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I signed up for a XXXX XXXX American Express card that came with a sign-up bonus of 60,000 Membership reward points after meeting some minimum spending. Some background is that this card requires you to have an account with XXXX XXXX. Also background, American Express views signing up for a credit card and then closing the card after receiving the sign-up bonus as rewards abuse. 

Well I met the minimum spending and received the 60000 points. Then, months later, XXXX XXXX mysteriously closed my account. The only reason I have been able to put together was one bounced check that I had written years ago. They had closed my account back then even after I pleaded to them that it was a mistake and tried to properly fund my account. Well, apparently XXXX saw that I had previously been a customer and decided to close my account again. This then triggered American Express to close my account. 

That ticked me off, but whatever, I understood that a XXXX account was required in order to have that credit card. However, today I received notice that Amex has determined I abused the card by signing up and cancelling it! I didn't cancel it, they did! Now they have removed 60,000 points from my account which is well over {$600.00} in value! I tried to call them and explain but they simply said they could not refund those points since the account was closed. 

This is classic bait and switch. They don't have the right to take these points away from me when I did not violate the terms. I am pleading to you, CFPB, please hold Amex accountable. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: SCA Collections, Inc.
State: SC

Complaint narrative:
SCA COLLECTIONS INC {$140.00}. XXXX  XXXX. XXXX  XXXX  XXXX  {$900.00}. XXXX XXXX XXXX ALL ACCOUNTS WITH ANY DOLLAR AMOUNT. NEVER AGREE TO PAY ANY DEBTS WITH ANY OF THESE COMPANIES I DON'T RECOGNISE AND HAVENT MADE A DEAL TO PAY A DEBT WITH THAT COMPAMY OR COMPANIES. I HAVE PROOF THAT MY SOCIAL AND ID HAVE BEEN STOLEN SEVERAL TIMES OF YEARS OUT MY CARS OR HOME. I HAVE PROOF AND SOCIAL SECRUITY CAN BE CONTACTED. AND XXXX  XXXX  THAT I FORGOT TO ACTIVATE AT THE TIMES. THERES NO PROOF THAT THIS STUFF BELONGS TO ME. I NEVER MADE A DEAL WITH THESE COMPANIES OR PROMISE TO PAY ANY FEE AT ANY TIME AT ANY AMOUNT. PLEASE REMOVE THESE. THESE COMPANIES HAVE UNSECURE WAYS OF RECIEVING INFO AND FRAUDULENT INFO. PLEASE AND THAK YOU. HAVE A BLESS DAY. ALL ACCOUNTS NEED TO BE REMOVE FOR REAL.

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 2019-06-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Bankruptcy XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I'm unable to use the Shell/Citibank master card that I received. I am unable to log into my account or change my privacy preferences. After I register the card there is a constant online error message. The company first said that these were all technical errors and that I should change my pass code and register the card again. This did not solve the problem. The company then stated that they would have to talk to 'management ' to resolve the issue, and that this would take an additional 10 business days. Furthermore, I am unable to opt out of information sharing. The automated system simply disconnects the number and says that it's unable to process any such request. Furthermore, my cash advance limit was limited to {$50.00}. This raises extreme privacy concerns involving the company Shell and officials in the state of Arizona where these crimes are being perpetrated.

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 2019-06-19 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed XXXX ; Chapter XXXX Bankruptcy Dismissed 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 2019-06-19 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:
The account information on my credit report is inaccurate and unverified.

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 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint number XXXX-XXXX ) about my enrollment status being inaccurate. On XX/XX/XXXX, FedLoan replied stating that " none of the loans reflect Spring XXXX enrollment. '' This is what my record at FedLoan servicing should indicate as I have not been enrolled at any institution of higher education since XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that stated that my enrollment status had once again changed on XX/XX/XXXX, after FedLoan responded to my CFPB complaint. This new documentation dated XX/XX/XXXX and XX/XX/XXXX appears to indicate that I am enrolled half-time. This would be incorrect information if it is what FedLoan believes and would directly contradict the statement in FedLoan 's reply to CFPB complaint XXXX-XXXX filed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: FL

Complaint narrative:
This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. 

I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. 

You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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:
The account information on my credit report is inaccurate and unverified.

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 2019-06-19 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:
The account information on my credit report is inaccurate and unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: FL

Complaint narrative:
This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts. 


* I AM ATTACHING THE PROPER DOCUMENT BELOW FOR SOME REASON A DIFF DOC WAS ATTACHED, DISREGARD LAST ONE*

Company response to consumer: Closed with explanation