vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
The company United Collections Bureau on behalf of XXXX XXXX   contacted me about a collection on a debt. They stated I owed {$4900.00} and that they were willing to settle for an amount close to {$2500.00}. I sent a certified letter to UCB asking them to stop contacting me and that I wanted more proof that they are legally allowed to collect on this debt. I later received a response from XXXX on XX/XX/XXXX stating that I would no longer be contacted. On XX/XX/XXXX I received mail from XXXX consisting of printouts of my last three statements ending in XXXX/XXXX with XXXX before the account was closed with a statement saying " we've sent you these because youve requested it ''. I then mailed a 2nd dispute letter certified mail to UCB on XX/XX/XXXX as well as a 2nd dispute letter to XXXX on XX/XX/XXXX. 

Then on XX/XX/XXXX I received letter from the sender " XXXX XXXX '' which consisted of a copy of some type of card member agreement ( the type that has fine print, interest rate information etc '' ) which was from XXXX and labeled with the XXXX  XXXX name. ( attached below ) I opened this credit card account way back in XXXX in California with XXXX   XXXX before XXXX acquired them. 

It is now XX/XX/XXXX and I have yet to receive any other type of sufficient proof ( such as a signature ) that UCB is allowed to collect on this debt. It's also strange to me that I only received correspondence from XXXX after my first dispute letter. If they sold the debt shouldn't UCB be conducting this correspondence? 

I just want them to provide sufficient proof, and they have yet to. 

I don't know where to go from here but the account is labeled as closed on my credit and my credit is suffering because of it. 

I appreciate all your help Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX of 2019 a person by the name of XXXX XXXX XXXX XXXX  and transaction on my account which is referenced transaction ID number XXXX in the amount of XXXX off of my AmEx serve card using XXXX. I would like full reimbursement of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: TX

Complaint narrative:
I repeatedly am seeing updates from alleged creditor XXXX XXXX on my XXXX   and TransUnion Credit reports for allegedly written off account onXX/XX/2017  That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: TX

Complaint narrative:
I repeatedly am seeing updates on my Experian and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX  XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

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 2019-09-15 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: WI

Complaint narrative:
XXXX, XXXX and Trans are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate 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 2019-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I never live in the property and then I found out that my identity was stolen. Please and I demand the credit bureaus delete this terrible debt off my credit ASAP. Which is XXXX I dont owe you have 5to 10 days to remove it. If you dont Im going to sue. And report to FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: IL

Complaint narrative:
XXXX XXXX XXXX has reported on my Trans Union report on (XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report 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 2019-09-15 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: TX

Complaint narrative:
I repeatedly am seeing updates on my XXXX and TransUnion credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I repeatedly am seeing updates on my XXXX and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a Credence Resource Manage allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: DE

Complaint narrative:
We were in a XXXX XXXX XXXX XXXX, paid off several cards in 6 months but have spent the last 7 months trying to get the credit bureaus to report accurate statuses and payment history. Experian in particular has actually created negative payment activity on 2 accounts we had with XXXX XXXX Credit Card. We had 2 accounts that were paid in full per settlements XX/XX/XXXX / XX/XX/XXXX but were continuing to show balances due and non payment for several months after. We have disputed several times since XX/XX/XXXX ( submitting documentation of payment and debt resolution from the creditor ) but each time, the dispute is closed with additional negative remarks etc. The last online attempts at dispute resulted in Charge Off Status for XXXX and again XX/XX/XXXX on these accounts that were paid / closed 9 months ago. I can not get a person on the phone and have spent hours fighting this. I have a settlement on a home in less than 30 days and every time I take action to correct the information with Experian, they are creating erroneous and derogatory information on our credit reports, resulting in significant score decreases because of new late payment ( again paid/closed 9 months ago but show Charge Off in Payment History for XXXX and XX/XX/XXXX ). I am in danger of losing my financing because Experians reckless misconduct and need help. I have all supporting docs including timeline of paper and online disputes. 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 non-monetary relief
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
CFBP CASE # XXXX I am responding to the letter dated XX/XX/2019 from XXXX XXXX of Synchrony Bank. 


I her letter she stated that a new payment plan will take effect the following month ( XX/XX/2019 ). The new payment plan will be {$310.00} per month for 60 months for a principal balance of {$15000.00} at 5.99 % According to the attached amortization schedule ( please refer to the attachment ), the new payment is {$300.00}. There is a big difference between XXXXXXXX XXXX payment amount and my calculation. That is {$7.00} per month more Synchrony Bank is charging me. That is {$450.00} excess payment thru the life of the Loan. I will not accept the New Payment Plan Synchrony bank has been charging me {$390.00} per month at 5.99 % for {$20000.00} for 5 years. That monthly payment is also wrong. That actual monthly payment was {$380.00}. I was overcharged $ XXXXper month for the last 12 months. The total amount I over paid is {$210.00}. This is nothing but stealing, cheating by Synchrony Bank. 

I have filed my Complaint to the Office of Maryland Attorney General, Consumer Protection Division Office

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: WI

Complaint narrative:
XXXX, Equifax and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's  remove, they say will not do. Sent me nothing to substantiate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: WI

Complaint narrative:
Experian, XXXX and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate 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 2019-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: PA

Complaint narrative:
I recieved a call on XX/XX/XXXX from direct express, a customer service representative stating they seen an attempted fraudulant transaction and were calling to confirm it was not me. I told the CSR it wasn't and she said she was deactivating the card and issuing me a new one. Then on XX/XX/XXXX my childrens benefits were deposited and at XXXX XXXX   someome from XXXX ohio fraudulantly stole over XXXX from their account using an atm. There was two transaction first was {$760.00} and the second transaction was in the amount of {$800.00}. I immediately on XX/XX/2019 reported the theft to direct express and filed a dispute. I was promised i would get the money back because i showed proof it was not me and my dispute was denied. Direct express is refusing to refund me the stolen money. I filed a police report with the XXXX police department in Pennsylvania where i reside. The chief himself faxed direct express all documents they asked me to send and still with no resolution. My child has a life threatening medical condition and i depend on his benefits to pay for his medication or he can die. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I could not remember my password to log onto " Myequifax.com '' account, so that i could temporarily lift a credit freeze, so I changed the password following their steps. When i tried to logon after the password change i was not able to and was directed to call their XXXX number. When i called the XXXX number the customer rep told me i would have to mail them a copy of my drivers license and Soc Sec card to them in order to get the freeze lifted. 

Equifax is the company that had over XXXX XXXX credit records stolen from ; and now they want me to give them photocopies of my personal information! What?!!! I don't trust them with the info they now have and they want me to give them more?? The customer rep told me this is the only way to get a freeze lifted when Equifax is not able to verify that I am truly myself and not a identity thief. 
There must be some other way of verifying my identity other than mailing Equifax copies of my drivers license and Soc Sec card. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I put a freeze on my account after EQUIFAX had a MASSIVE SECURITY BREACH and I was afraid my data would be hacked. I kept the unfreeze PIN safe, as instructed. 

Today, I am looking to apply to a new apartment with my partner. The real estate market is extremely hot in my city, so things move fast. The landlord said my credit was locked and we need to rectify immediately. 

I called equifax and they were INCREDIBLY UNHELPFUL. I was asked a series of questions - one was basically incomprehensible. I asked for clarification 3 times. The rep on the phone simply repeated the question. Then, because the question was so difficult to understand, I failed the verification. From that point, I was instructed that I 1. Was locked out of the process indefinitely. No escalation would help me.

2. I would need to take 5-7 business days to mail physical copies of my ID 3. Could not speak to a supervisor ( even though I asked MULTIPLE times ) I then tried to use their website. The " reset password '' flow is broken so I couldn't do that either. 

I was told this was so that Equifax could keep my data safe. The whole reason I am in this situation is because they did NOT keep my data safe. 

This is a horrible experience and will cost me this apartment. The fact that this random company that I did not consent to becoming a customer of has this influence over my life is APPALLING. ( not to mention the shady ways they are trying to get out of paying the settlement to many Americans. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: IL

Complaint narrative:
XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report 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 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: IL

Complaint narrative:
XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2017 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report 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 2019-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank sent me a coupon in the mail for a {$200.00} bonus after opening a Chase Savings Account with {$15000.00} in new money deposited. 

On XX/XX/2019, I opened a new account at the Chase Bank, XXXX XXXX, Branch XXXX. I opened the account with {$15000.00} in order to qualify for the {$200.00} bonus after 90 days. I gave the coupon to the personal banker, XXXX XXXX, when opening the account. 

On XX/XX/2019, I inquired about the {$200.00} bonus. Chase Bank indicated they have no record of a bonus coupon and I will not be receiving any bonus. I contacted the branch manager XXXX XXXX who confirmed I will not be receiving the {$200.00} bonus. He said the bonus is for customers who plan on opening additional accounts and accused me of taking advantage of Chase. I advised him that I received the coupon in the mail, opened the account with {$15000.00} as required, and expect to receive the {$200.00} bonus. 

I advised him I would be filing a complaint. He said Chase doesn't want to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: IL

Complaint narrative:
XXXX XXXX XXXX  has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report 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