vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Back in XX/XX/2019 I traded in my XXXX XXXX XXXX in which I was going to buy a XXXX XXXX. I was under the impression that I sold the vehicle to the dealership while waiting for my custom vehicle. The dealership provided me a loaner until my custom vehicle was completed. It took longer than expected which caused 2 late payments on my credit. The dealership in fact paid the payments off and sent 2 letters to XXXX XXXX XXXX letting them know it was their fault and excuse the late payments. I received a letter from XXXX asking for documentation. The XXXX dealership again sent them documentation of the transaction and also asked to pardon the late pays again. XXXX XXXX  refused to remove the late payments after the dealership admitting FULL fault of the late payments. I am simply in need of them to remove the 2 late payments on my credit which is creating a hardship on my life. Im not able to obtain anything due to the late payments making my scores drop tremendously on all 3 credit bureaus. I have spoke to several representatives who thought that the credit bureau management team would have the decency to adjust my account. After weeks of begging them they still refused. This was my last resort in order to try to get my life back on track due to someone elses mistake that they took responsibility on.

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 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
1. Applied to Capital One for a Quicksilver Credit Card late XX/XX/XXXX. It was denied 2. Form letter denial indicated credit score of XXXX from XXXX  and listed following factors for denial. a. Time since most recent acct opening too short ; b. Delinquency accounts ; c. Too many inquiries in 12 months ; d. Lack of recent installment loan information 3. In early XXXX I requested and received Credit Report from XXXX. Nothing in that report supported the basis for Denial. 

4. Late XXXX I asked to have this reviewed again it was denied for the same reasons. 

5. XX/XX/XXXX, I wrote a DETAILED letter indicating where the facts did not support the basis for denial. The application was again denied with the same form letter as previous. 

6. XX/XX/XXXX, I spoke with customer service to try to better understand the basis for their conclusions. XXXX, a supervisor, was not able to give me any additional information. 

7. Given that the facts do not support the information in the denial and I am unable to get any further clarification from Capital despite numerous attempts to do so, I must conclude that discrimination due to age for gender must be the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 Were not removed in the report. 

TransUnion did not remove this one XXXX/XXXX   {$100.00} XX/XX/2019

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I made purchases for Mn XXXX XXXX Tickets on the XX/XX/XXXX and XX/XX/XXXX. The total of these purchases was {$3100.00}. 
Per the terms I should earn 2 points per {$1.00} on XXXX and Team Purchases. This is eligble on XXXX Tickets. 
Per the terms I should get 0 % APR for 6 months on my XXXX Ticket purchases from any participating XXXX team ticket office. 
When purchasing MN XXXX tickets this is the site ( XXXX ) that the team uses. Ive had this issue in the past and every time have to file a complaint or try get in touch with someone else to remove the finance charges on my account and get my double rewards. Its getting very frustrating. 

Id like assistance removing the finance charges from my account, and awarding me the double points on my account. 

I did write to the company they opened up a case for me XXXX but Ive gotten a denial letter in the mail. 

Ironically my brother ( XXXX XXXX ) has a this same XXXX XXXX Reward XXXX visa card. Did a complaint as well through their company ... And they APPROVED his! But not mine ; )

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 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have been paying on a credit card debt for over a year and to my knowledge the debt has been paid off but the company keeps taking money out of my account. I have been unsuccessful to contact anyone at this company to discuss this matter. This seems like a scam.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX XXXX. Exi fax. Please. The questions that was ask I answer then correctly .And my address has not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX Exprience. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change.

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 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/2019 I contacted the PHOENIX FINANCIAL SERVICES LLC regarding the debt of {$280.00} that I owed. I paid {$120.00} and at the end of the conversation I was told that the debt was settled and paid in full. When I asked how long it would take to be updated I was told it would be removed from my credit report no later than XX/XX/2019. It has been nearly two months and it has not been removed from my credit report and it is still listed as an active account when it was paid in full in XX/XX/2019. The confirmation number for this transaction is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a late in XX/XX/2017on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: IN

Complaint narrative:
We never authorized any credit checks with this company named Credco. They ran our credit twice ( X2 ) through XXXX  ( both my wife and I ) on XX/XX/2020. When we advised them that we did not authorize this they requested further personal information from us such as Government ID, Social security numbers, and a utility bill in order to put a freeze on our account. All 3 bureaus have been notified and are monitoring for any potential fraud, this Credco company is either taking part in this fraud scam or is helping the potential fraud scam.

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 2020-01-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In late XX/XX/2019 I've managed to purchase XXXX XXXX XXXX XXXX  headphones at XXXX. After I've unboxed I've discovered that left ear was defective and it wasn't charging, nor playing music, while right one was working fine. I've vocalized my concern to XXXX customer support over the phone and been provided with return label altogether with return form. The item has been returned to XXXX facility in XXXX, KY, nevertheless I didn't see a refund posted back to my account. 

Please, consider all supported documents attached such as a copy of return form, return label, ups tracking information and proof of delivery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
New Issue There are fraudulent charges remaining on the Nordstrom is high have not been removed. The account needs to be deleted or suppressed from my credit profile immediately due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I looked at my XXXX and XXXX  credit and saw an account from SYNCB/PPC for a blalnce over {$4100.00}. 
I do not remember ever opening an account with this company. If there's one, please send me copy of my signed written contract.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.

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 2020-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a high yield savings account on XXXX with citibank and they debited my account for $ XXXX. I called on XX/XX/2020 to activate my debit card and was told that my account was being closed due to fraud and to call XXXX ( XXXX XXXX ) to obtain details for negative activity. I called the number 3 times over the course of an hour and NO ONE answered. i called citibank and told them I wasn't getting a response and they said there was nothing they could do. I asked when I would get my $ XXXX back and they told me between 30-60 days, and that is unacceptable especially when you took the money a couple of days after opening the account and I expect the same expediency in returning my money. They told me the decision to close my account was final and would not be reversed even though I haven't done anything wrong. So I'm writing this complaint to get my money back and dispute their closure of my account. They're basically stealing/withholding my money for 2 months putting me in financial hardship.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019, I attempted to do a balance transfer on this card with another bank. I called to customer service to verify the balance at that time, XX/XX/XXXX. They gave me an amount and the total went up XXXX dollars throughout the process, with no explanation or notice. It wasn't mentioned during my XX/XX/XXXX phone call. I had to cancel the initial payment from my bank, XXXX XXXX and initiate a new payment with the suddenly increased, undisclosed amount. I understand from a phone call today that Synchrony Care Credit has held onto this check since XX/XX/XXXX, not applying it to my account in an attempt to collect more interest I suspect. XXXX XXXX sent them a check for the increased amount on XX/XX/XXXX. The call center agents are hostile and unprofessional and completely irrational. I asked for a supervisor and XXXX came on the phone and was attempting to impersonate a supervisor by repeating he was an " account manager " and refusing to confirm whether or not he was a supervisor. When I figured out that he was lying, I asked for a supervisor. He claimed " none were available '' he was " very sorry. '' Kept repeating that, like a recording. I asked for my survey and he disconnected the call in a way that I was unable to take the survey, barring me from taking my phone survey. He attempted to pretend to be a supervisor after I asked for one. I was transferred to another call center 's " buddy, '' which was this guy. The problem is that Synchrony has my check, charged me interest during a balance transfer process and is attempting to charge me further interest to go into another additional billing cycle.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I could not log into my experian account at all till yesterday and I come to find out that there was another address put on there XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX which I never lived in. The only places I've lived is XXXX XXXX XXXX, XXXX XXXX, ca XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX and XXXX XXXX XXXX, XXXX XXXX, ca XXXX. I also seen a bunch of inquiries on my experian which I did not do but I will put in the complaint for it.

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