vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX  balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.

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 2020-02-17 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: GA

Complaint narrative:
I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX  balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have printed my credit report. and noticed debt from US Bank being reported in my credit I requested. documentation bearing my signature that I have signed agreeing to this debt to pay US bank. 
Gave them written 30 days to respond to me, 30 days passed they failed to report the item in my. credit report " Disputed '' status. 
I kept record of all communication with US bank. 'US bank failed the Law by not reporting the account disputed status within 30 days of contacting us bank.

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 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I do not have any information of the source of this claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake financial agreed if I surrender the car over they wile the remainder of the loan out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX and Ive had a Walmart  account in good standing, and never MISSED a payment since XXXX. I am a XXXX XXXX XXXX, which is why I set up electronic notifications and automatic payments 5 years ago. 

I received an electronic notification from XXXX XXXX indicating a change on my credit profile. When I checked it, I saw that Capital One reported a missing payment to the credit bureau for XX/XX/XXXX. Upon further inquiry, it seems that Capital One bought Walmart from XXXX XXXX and my previous set up of Electronic Notifications and Automatic Recurring Payments with XXXX XXXX were not honored after the transfer. 

I immediately called Capital One, spoke to someone whom was very apologetic, and he gave me your contact information to forward my concerns. It took me seconds to rectify the error of the missed payment, that never should have occurred. 

Im hoping that you will remove the derogatory missed payment that was reported to XXXX & XXXX in good faith of my exemplary record with Walmart for 4 years & 4 months. I thank you in advance for your time and consideration in this matter. I look forward to continuing to do good business with Capital One/Walmart moving forward. 

*Today on XX/XX/XXXX, I spoke with a Capital One customer relations operator XXXX XXXX # XXXX, who apologized and told me unfortunately I am not the only customer this has happened to during this transition, indicated his " hands were tied, '' and transferred me to the 2nd Tier Customer Relations Supervisor, XXXX # XXXX, who informed me that Capital One will not change their reported information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$350.00}

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$350.00}

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 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
On XX/XX/2020 I received notification from three credit bureaus that I owe a debt to Berlin Wheeler. I have never had any account nor contract with Berlin Wheeler. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. 

I do not owe this alleged debt to Berlin Wheeler or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. Berlin Wheeler has committed several violations of law and has damaged my credit, and my ability to obtain credit in the process. 

I do not owe this debt and this collection account should be removed from all 3 credit reports immediately.

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 2020-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
At the end of my lease with GM Financial, I made an extra payment to the financial institution due to auto-pay setup from my bank. I was then sent an invoice for around a {$130.00} for 'excess wear and tear ' due to what they called damaged/scratched bumper area. What I believe occurred is that they took my extra payment and applied it to any remaining fees and excess wear assessed at the turn-in of the vehicle of about {$680.00}, leaving it short {$130.00} and with no explanation. I did not accept this wear and tear assessment because I live in a city/urban area and nicks like this occur all the time and I never noticed this damage. Nor was my incorrect extra payment meant to affirm my agreement to this charge/fee. I did call the institution and was frustrated by their lack of understanding or capable response. I wanted to dispute this but this is time consuming and I do have a busy work schedule. I discovered they reported me as delinquent on this remaining {$130.00} which is basically the disputed wear and tear cost. I called a 2nd time and paid the remaining amount because while I disputed the charge, they were going to report me as 60 days late regardless. So I paid it, but was told I had not other real option to dispute this. I then asked to have my late notice cleared, which they then said would be with another group that was unavailable at the time and that I would hear back from the later. There has been no response. This is very frustrating and a lack of understanding by the institution and not a lot of options to handle as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have attached the complaint letter that I sent to the Lender, JP Morgan Chase along with the pertinent documents that follow the time line during their process. 

I believe they did a bait and switch on me, treated me disparately, and their customer service is deplorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank ( LLBean Visa ) wrongly reported high credit usage to XXXX that downgraded our credit rating from Very Good to Good. We regularly use a large % of this credit card and pay ot off completely each month, often early. Yet Citibank reported unusually high credit usage. XXXX did nothing when we disputed this reporting. No one at Citibank has been able to help or explain this sudden credit reporting change. It appears that Citibank is abusing its power by penalizing customers who do not agree with their XXXX policies.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX Portfolio Recovery Associates, LLC was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: CA

Complaint narrative:
Premier Student Loans, a third party loan servicer, misled me and lured me into a fraudulent repayment scheme that has unfairly and unnecessarily cost me thousands of dollars.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: GA

Complaint narrative:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Citibank recently closed my account, because they stated I mispresented disputes. I spoke to their executive office team member named XXXX, and she only provided me with a few specific examples but stated there are more. XXXX stated I was given permanent credit with no additional documentation required due to the dollar value of the disputed amounts. Moreover, Citibank also paid the merchants on these disputes when the merchant stated he or she believed the charges were valid. Then, Citibank wrote off the amounts. They never followed up with me for additional supporting documentation to support at any time during the dispute process, including after merchants ' claims. 

I have repeatedly e-mailed billing disputes asking for all documentation including the merchant response on my disputes. I have received very little from Citibank to date. I have called the dispute 's department and asked them to provide me with a list, but they stated I have to put in a request on each individual dispute. Obviously, I don't have all day to spend on the phone, especially when it is clear that their billing dispute 's team doesn't even understand what is going on. 

Today, XXXX, I called in to speak to a billing dispute representative to get information on some of the disputes. I called around XXXX and the rep 's name was XXXX . She was insistent that the merchants were not paid on specific transactions and that Citibank would not pay out twice, stating permanent credits were issued in my favor. I asked to be transferred to a supervisor. I was left on hold. The phone call lasted nearly 25 minutes before I finally hung up and decided to put the requests in to the CFPB. 

Previously, I spoke with XXXX in billing disputes on XXXX. He was able to give me specifics, but I am still worried if I was given correct information by how much I had to press him. 

Obviously, due to the number of disputes, I am going to have to attach them. Because of the way the CFPB formats complaints, it will lump the complaint into one paragraph which will make it difficult for Citibank to comb through each dispute and to get me the right paperwork along with the right response. I am including all the disputes listed on my account summary from XXXX to XXXX. I have included the dispute numbers, the merchant, the purchase price, and the disputed amount.

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