vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: Self Financial Inc.
State: IL

Complaint narrative:
I had an account with Self Lender / XXXX.I have contacted them on XXXX XXXX, XXXX via letter to inform them that my account with them was reporting an incorrect payment history as well as the date the account was closed was incorrect. Self Lender is reporting 3 different closed dates with all three bureaus. XXXX  is reporting a closed date of XX/XX/XXXX, XXXX  is reporting a close date of XX/XX/XXXX and XXXX  is reporting a closed date of XX/XX/XXXX. In addition XXXX  and XXXX   are reporting late payments on XX/XX/XXXX and XX/XX/XXXX, while XXXX  is reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However this account was closed in XX/XX/XXXX and I received a refund check that is attached for {$34.00} dated XX/XX/XXXX. Due to the date discrepancies and payment history discrepancies. I will like for this account to be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My vehicle was unlawfully repossessed ; I made a {$1300.00} payment and the company representative said I paid the wrong loan. I attempted to pay through accessing the account on my bank application, but the computer application would not allow me to change the amount. I called and spoke with a representative to make a payment of {$800.00}, but they said the minimum they could accept was {$1300.00}. They allowed me to make a payment arrangement which the letter included shows ; I paid more than {$800.00} and they still took my vehicle. The vehicle had heated seats which assist with my mobility ; I am a XXXX XXXX veteran with XXXX XXXX, and a number or other limiting conditions to my XXXX XXXX. I have banked with USAA for over 18 years, but they attempted to get me to pay off a collection agency after they took my vehicle. The XX/XX/XXXX letter they sent me said I owed money and when I called they attempted to transfer me to XXXX an outside collection agency. I didn't default on the terms for the modified loan which says you can lose the vehicle after 8 weeks of non-payment. I had been it communication with them, and even paid including late fees. It is reported on my credit the modified loan was 6 weeks late, not 8 weeks. They did not send me any notice before hand of their concern to take the vehicle. 

I need to find employment, and they need to remove XXXX and all other collection agency reporting from my credit reports with all bureaus. I would also like money returned to me to assist me with purchasing a replacement vehicle. They are causing hardship because the negative reporting is making my insurance costs higher, negatively affecting my credit, and employability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: OH

Complaint narrative:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

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 2020-04-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All three credit bureaus reporting 30 day past due for the month of XX/XX/XXXX. I requested the creditor to fix the problem and bureaus to fix the problem multiple times. This account was never 30 days past the due date. The due date for this account was on XX/XX/XXXX. I made the payment on XX/XX/XXXX. It posted on XX/XX/XXXX. 30 days past due would be XX/XX/XXXX. The payment was late but not 30 past due.

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 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TX

Complaint narrative:
I submitted a certified letter to Experian on XX/XX/20 requesting information regarding a fraudulent Account from XXXX XXXX XXXX XXXX/ XXXX XXXX, to date I have received no reply to date from experian XXXX I requested from Experian the documentation they received to verify this fraudulent account that was reported to my credit file. I requested the process of how the information was received and verified. To date Experian has failed to provide any documentation proving this account was set up or requested by me. I have signed no contract with the company nor have any knowledge of this 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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
To whom it may concern : I have a Citi Double Cash MC and Diamond PReferred MC, and have been with Citicards since XXXX. I have always paid on time and have had my account set up on Autopayments with my XXXX XXXX account for years. Both accounts were set up on Autopay. I have also had other card brands, such as Thank you Rewards, and I believe a Thank you Preferred card, all of which were set up on Autopay, where the payment is automatically withdrawn from my bank acount monthly. On XX/XX/XXXX, and XX/XX/XXXX, my auto pay was automatically cancelled on my City Double Cash MC, and Citi Diamond Preferred MC, respectively. This was done without my authorization and approval. To my knowledge, I did not authorize this change. Because of this, both of my Citi credit card accounts became past due, which prompted Citicards to do an account review and lower my credit card limits on both of my cards. I feel this is unethical and fraudulent business practices. 

In lieu of the Corona Virus COV-19, lenders and credit card companies are actually waiving payments and late fees, and are not making drastic changes to customer accounts, in lieu of the pandemic that have taken the lives of thousands of individuals. My understanding is that Federal law forbids this kinds of discriminatory action, or drastic measures being taken against good, loyal customers at this time of crisis. Again, I am not experiencing a financial problem paying my account at this time. Had Citicards not stopped my autopay set up without my consent, both of my accounts would have been automatically paid on time and current. I ask that my credit limits be not only restored, but my excellent payment histories. I also ask that Citicards explain who authorized the cancellation of my autopay and why did that stop it. To this date, they have no explanation for me. 
In addition, Citicards allowed for someone to fraudulent use my Citi Diamond Preferred card from XXXX of XXXX until XXXX of XXXX, to charge a premium XXXX package for around {$15.00} without my consent. In fact, when I contacted XXXX, the account had not name on it just numbers and a gmail account associated with it. How can Citicards allow someone with a ghost account to charge for movie services on my credit card for months? 

My credit score has been lowered because of this. I am very upset that I have always paid them on time and now this has affected my credit rating with the credit bureaus. 

Please investigate this complaint. 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 2020-04-20 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: Synovus Bank
State: IL

Complaint narrative:
I contacted XXXX XXXX via mail XX/XX/2020, regarding them sending me a bill for a {$200.00} prepaid credit card that was a XXXX  balance and closed. On XX/XX/2020 I paid XXXX XXXX a payment of {$150.00} to have them to remove the incorrect balance that they was originally billing me. Instead of a correction, my credit report ended up showing a new " Highest Balance '' of {$340.00}. I called them again to discuss why they would show me owing a " Highest Balance '' of {$340.00}, when this is a prepaid card and you can not go over your balance. Instead of getting a response I got hung up on. There is no way my I should have a higher balance on a prepaid card of {$200.00}, that does not allowed you to exceed the {$200.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted a complaint because I am a victim of identity theft, my credit report shows fraudulent information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I pay all the monthly fees without being late. Last week my card didn't go through and when I call the agent said my card was closed. I asked the reason but she said that no additional information is on my file. When a credit card closed a credit card, my credit score will be affected. Since I am paying the monthly fees and the USA and the whole economy are going through an unprecedented times this practice is not correct for consumers. Credit cards have a social responsibility and start closing accounts and put customers in more difficult situations is not correct. 
My card didn't have any pending payments. I made the payments on time

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 2020-04-20 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: IA

Complaint narrative:
I sent in a ID Theft Affidavit and police report detailing a fraudulent account on my Transunion credit report. I asked them to block the information from reporting. I am providing proof that Transunion received the correspondence on XX/XX/2020. The account is from XXXX XXXX. The account number XXXX. As of the date of this complaint Transunion has failed to remove the fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC

Complaint narrative:
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had 2 differwnt identity theft problems with XXXX. The first time i filed a police report and they fixed it. The 2nd time ( years later ) they said it would be fixed. Someone using another address set up service at another address. I filed a police report and sent to XXXX at their request. I also sent them proof of my residence. They said it would be removed but it never was. months later I called back and was told the first agent didnt do it right and it would be fixed. That was over a year ago and ut was never fixed. I disputed it through experian several times and still not fixed. Please help. It is a debt for about {$1700.00}. XXXX has the persons name and address but they still report it to my credit. XXXX allows people to set up accounts with your ssn or without it if you do auto pay. 

Experian has failed to do a thorough investigation.

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 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My business received a customer payment in the amount of {>= $XXXX} ( XXXX XXXX ) on XX/XX/20 by bank transfer ( Transaction ID : XXXX ) PayPal incorrectly recorded and processed the payment in the amount of {$XXXX} ( XXXX dollar ) and moreover still has payment in a pending status so I am still without access to the funds after more than 60- days, more than ample time for PayPal to verify the legitimacy of the transaction and payment. The same customer submitted an additional payment on XX/XX/20 by bank transfer, which for some reason is not reflected in the attached transaction register.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX sent out a letter to equifax stating an account on my report need to be verified. Still no communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-20 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:
see attatched Equifax Report of XXXX  account XXXX IS NOT ACCURATE INFORMATION. see attatched ID THEFT case XXXX THIS IS ID THEFT. see attatched XXXX Letter of denial of my fraud claim of UNAUTHORIZED TRANSACTIONS XX/XX/2019. XXXX  is well aware this is ID THEFT but did not approve my claim. See attatched XX/XX/2019 XXXX  Letter of UNAUTHORIZED TRANSACTIONS ALL REPORTED WITHIN 60 DAYS OF DATE OF LETTER. see attatched UNITED STATES POSTAL INSPECTION SERVICE LETTER CRIMINAL INVESTIGATION XX/XX/2019 DELIVERIES NOT MADE BY USPS. I DEMAND WRITTEN DOCUMENTATION 1 ) TRANSACTIONS WERE ORDERED BY ME * MY IP ADDRESS 2 ) DELIVERY WAS ACCEPTED PICKED UP POST OFFICE AND * SIGNATURE GOODS WERE DELIVERED INTO MY HANDS OR INFORMATION DELETED IMMEADTELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I recently checked my credit report on XX/XX/XXXX to check the status of a dispute. The dispute was with The XXXX Apartments located in XXXX, NV XXXX. I was a resident there for 1 year and completed my full 12 month lease ( XX/XX/XXXX ). Once I moved ( XX/XX/XXXX ) I was verbally told by the property XXXX ( XXXX XXXX ) that I would be given a final bill sent to my new address in XXXX XXXX, CA. I noticed on my credit report that I was sent to collections for the amount of {$1700.00} on ( XX/XX/XXXX ), however my report also states the collection amount was updated on ( XX/XX/XXXX ). I would like this removed from my credit report in full due to not receiving a fair bill sent to me as I was instructed by the property XXXX, and I had no idea my final bill was in collections until I looked at my credit report. The collection agency address is : XXXX XXXX  XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello My Name is XXXX XXXX social XXXX. Fifth third bank cloaed my account in 2016 and reported me to XXXX XXXX XXXX. Due to Covid 19 and and begging the institution to finally remove me from XXXX XXXX so I can open a account for my stimulas money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: HI

Complaint narrative:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting Transunion, XXXX  and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

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 2020-04-20 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: HI

Complaint narrative:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, XXXX  and Equifax to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

Company response to consumer: Closed with explanation