vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

FOR Experian 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in 2019 I was Traveling XXXX different XXXX. Including XXXX XXXX. to do " XXXX  this is XXXX of " Religious ' obligation Every XXXX to Perform in " XXXX  '' XXXX XXXX. 
Before, I went to XXXX XXXX, I went to See my Elderly MOTHER in /XXXX  XXXX XXXX. I was require to Obtain XXXX XXXX. Therefore, I Use LOCAL TRAVEL AGENCY called ( XXXX XXXX XXXX XXXX ) I haired them to arrange All my Ground Logistics, in XXXX XXXX, such as HOTEL, Ground Transportation. And A. Assistance as a XXXX. in XXXX, XXXX, XXXX. 
Unfortunately ; As I arrived in XXXX on XXXX, 2019 my Assistance / Helper NO SHOW. NOR Ground Transportation XXXX to " XXXX '' And I was put in to Very Bad SITUTION. I have to go through, with very Difficult Time. Unknown to Me .Language Barrier and many Hindrance to FACE. 
All that said ... I arrived in to XXXX, Hopping, I will have My HOTEL RESERVATION as I was Told by this COMPANY. I haired. Unfortunately, As I arrive to the Designated HOTEL, NEW Discovery I have NO Reservation. PASS Mid NIGHT Here I am with nowhere to GO. Ultimately. The Company I Haired on of his person contacted me. And Put me in to a Very unpleasant Place to Stay Overnight. 
The Package I. have Bought, I suppose to be Staying 5Star HOTEL, and other Services.as well was Includes. Pre PAID to the Travel AGENSY Via My VISA WELLS FAGO Credit CARD. FULL Amount was PAID. {$2000.00} itinerary Due to None Performance of XXXX XXXX, I have to Cut SHORT my Trip and Re-Shuffle my. itinerary And return to XXXX XXXX THANK 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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company did not follow proper fair credit practices in reinserting inquiries on my credit report. Law states that companies supposed to inform consumer within a 5 day window before doing so and the 5 day grace period wasn't enforced. I was a victim of Transunions inquiry issue. Reached out to them and they were noncompliant to the issue at hand and the law so i am requesting the deletion of these credit inquiries XXXX   XXXX XXXX and XXXX  XXXX XXXX, and XXXX XXXX and 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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Best Buy Citibank retail credit card was closed for non payment I was recovering from an injury even though I made a stabilization payment shortly before. I was offered a settlement of less than half but I said let me pay it in full since I want to correct my credit and I don't feel like my account should've been closed while I was injured in rehab. Best Buy agreed to a payment in full payment plan with the due date on XXXX of every month starting XXXX And I set up automatic payments. On XX/XX/XXXX I was told the payment went through. I also tried to make three extra payments in XXXX which bestbuy refused to accept Because they already had a payment and didn't want to mess up the payment plan. I spoke with him over the phone. Then in XXXX I found out that my account was transferred to a collection agency. This means that my credit score dropped 48 points and three months of them reporting my account is negative when they refuse to take the payments Resulted in continual late and higher interest then what is the reality. The reality is XXXX XXXX payment was acceptable but BestBuy chose to sign my contract and transfer it to a collection agency anyway. This collection agency has resubmitted the account back to Bestbuy Retail services twice and more than twice have my disputes been denied through bestbuy. Now I am being asked to fax and email the original contract which I will Attached to this complaint. I have damages the 48 points hurt my credit score and my financial capabilities I feel like I shouldn't of any interest after XX/XX/XXXX and the {$200.00} payment that was due on XX/XX/XXXX if I have to repay it we should still consider how I've lost money because it is negative credit report I should have a discounted rate and they should re-offer me the settlement that they are no longer offering in that settlement should be a settlement for a paid in full because they have proven to be dangerously illegitimate And financially damaging to communicate or do business with.

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 2020-09-04 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: AL

Complaint narrative:
THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX TransUnion and XXXX  are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted. 

FOR XXXX  1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. XXXX XXXX XXXX XXXX Account Number : XXXX The Monthly Payment, Terms, Credit Limit, and Date of Last Payment are missing in this report. I demand this will be deleted.

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

FOR XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
After the total auto loan amount was fully paid off approximately XX/XX/2020, Toyota Financing is still taking money out from my bank account on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
For about 4 months my phone number has been changed and because of that I can not log in to the Current Banking app and access any of my card information. Today I accidentally left my card inside of an ATM and my card was shredded unfortunately. That means I lost all of the money I had from getting paid today because I have absolutely no way to access my card. I have emailed the company multiple times and have messaged them on every platform and I havent received any help or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CA

Complaint narrative:
XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates

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 2020-09-04 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: OK

Complaint narrative:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX  / XXXX XXXX  {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   {$240.00} XXXX XXXX XXXX XXXX   {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

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 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX, I purchased a XXXX XXXX freezer that was on sale at Lowe 's Home Centers, LLC, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Price for the purchase of XXXX XXXX XXXX XXXX was {$710.00}. Price included discount and taxes. Why they are advertising and selling something they do not have is very misleading advertising. Especially when they know they can't deliver when promised. 

I was told at time of purchase that item was not in stock and would be delivered XX/XX/XXXX. That date was okay with me and I completed purchase. My Lowe 's credit card was charged the {$710.00} on XX/XX/XXXX and interest began to accrue. 

Lowe 's has much to learn from other companies that you shouldn't charge a person for something they have not shipped/delivered. I questioned them on this and got the response from Lowes, " company policy ''. Should be illegal to do this in my opinion especially if they know they don't even have it to sell. Not wanting to pay interest on a purchase I had not received yet, I paid the credit card statement balance in full, {$710.00}, before it was even due. 

On XX/XX/XXXX I contacted Lowe 's to confirm shipment was going to be made on XX/XX/XXXX. They told me that no, it was delayed till beginning of XXXX. Contacted Lowes again at beginning of XXXX and told no, now not getting until XXXX. Needless to say, enough was enough, I went to Lowe 's XX/XX/XXXX for a refund. 

I received a " refund '' receipt XX/XX/XXXX for the {$710.00} and it was as a credit to my Lowe 's card. I was told and they wrote on the back of the receipt, " Check will come in 2-3 weeks from credit center. '' I received no apology from anyone for my troubles. They get free use of my money for two months. What a scam. The least they could is say thank you. 

To top if off, I checked their website today, XX/XX/XXXX, and the exact same model is on sale again. When will they deliver XXXX? Yes, they do have a disclaimer that due to Covid their may be delays, but come on, be specific and say EXTREME delays. This is a scam to me and I can imagine how many people are being mislead on not only this item but probably others by Lowe 's.

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 2020-09-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express has verified this information. I have plenty of documentation showing  that they are falsely reporting delinquency and charge off dates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I was sued by Hunt & Henriques on XX/XX/2019 for {$2400.00}. They have falsely reported to the court that I made payments on a XXXX XXXX Credit card within 3 years before XX/XX/2019. I never received any proof that this debt is even valid. I was told by my lawyer that the debt hasn't had any payments made on in it in over 4 years which in California, the debt is considered 'Time Barred ' and over the Statue of Limitations to collect on. I was sued anyways despite the debt collectors knowledge of this. XXXX XXXX is the name of the attorney representing Hunt & Henriques. She has sent me very minimal information on the court case with zero proof that the case is within the Statue of  Limitations. She is just hoping to get a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: UT

Complaint narrative:
I went to XXXX XXXX XXXX XXXX on XX/XX/2020. I authorized for one credit pull. Without my consent, 2 financial institutions had pulled my credit, resulting in 3 hard inquiries on my credit report. I did NOT authorize the financial institutions to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two items on my credit the has been on my report that i have desputed several times that does not have my social attached i have verified and i am in college never had a appartment in my name i leave a home with my parents and the problem has not been fixed over and over i demand removal it is not mine account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Made a purchase with retailer and they didn't deliver as agreed. The item was returned before delivery through the shipper. Item was returned and signed for. The retailer has failed to credit the card account after two calls. Giving an excuse of a manager needing to look it over and a three day process.

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