vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical

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 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XX/XX/XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is the result of many violaitions to the FCRA committed by capital One- They have been negligent and unfair. They are reporting disccrepancies across bureaus, and they have failed to give me a fair solution to this issue. 

Here the accounts details : 1. Account number XXXX, opened on XX/XX/XXXX, limit {$3000.00}. 
2. Account number XXXX, opened on XX/XX/XXXX, limit {$9500.00}. 
3. Account number XXXX, opened on XX/XX/XXXX, limit {$750.00}. 

In order to make the work easier for Capital One, I have attached proof of all my allegations. Mu demand is to get the three items removed from my report. 

Attached documents for Capital One. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally Auto has not reported any of my payments since XX/XX/2019. This is impacting my credit as I'm missing positive payment history.

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 2020-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citibank Priority Checking account under their promotional offer of {$700.00} cash bonus with a {$50000.00} deposit. 

On XX/XX/XXXX, I applied online to open 3 accounts with Citibank, one being a Checking account under this promotional offer I received a packet in the mail with all three account numbers. I attempted several times to fax the signature card, but never was able to receive confirmation so I ended up mailing the signature card and IRS W-9 Form. I was not able to fund my checking account via ACH ( from XXXX to Citibank ). I called a Citibank customer service about the problems funding my checking account and was told to WAIT until I received my ATM debit card. 

On XX/XX/XXXX, I received an email from a Citi employee about my signature card. I responded, and asked if my ATM card had been mailed yet. I did not receive a reply about the ATM card. 

On XX/XX/XXXX, I received an email my Accelerated Savings account was open. There was a note my ATM card would be mailed within 5 business days. ( Note, I did not have any issues funding the Savings account from XXXX to Citibank ). 

When I finally received my ATM card that for some reason Citi required to fund my Checking account online, I didn't have the PIN number also needed. Citi told me this PIN was mailed separately. 

When I received the PIN number I promptly transferred {$50000.00} into the Citi checking account. 

I maintained over {$50000.00} in the accounts I had with Citi for the required 60 days. 

After 90 additional days, I still did not receive my {$700.00} cash bonus. 

I contacted Citi, they claim I did not make my deposit within the 30 day timeframe, that my deposit was on day 31. A supervisor gave me the same excuse. The supervisor told me an appeal would take 45-90 business days. 

Citibank used surreptitious business practices to delay a consumer 's ability to promptly fund a qualifying account in a timely manner, thus denying a promised cash bonus. 

*Citibank provided a fax number that did not work *Citibank delayed providing needed ATM card *Citibank delayed providing needed ATM PIN number *Citibank provided inadequate communication regarding account Signed, 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 monetary relief
Consumer complaint received 2020-07-05 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: National Credit Systems,Inc.
State: OR

Complaint narrative:
XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX  '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information. 

Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX  ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate. 
I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible. 

These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report. 

Additionally, my case worker and I made attempts to contact XXXX XXXX   only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. 

XXXX property finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
I have been making consistent payments of more than {$600.00} each month for the past 9 months. I have proof of each payment. Despite this, the loan servicer continues to report to the credit bureaus that I have not made a payment. However I have made a payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-05 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-05 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: SC

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously complained about XXXX XXXX XXXX and their client XXXX XXXX. Fortunately, XXXX XXXX XXXX  have removed from other bureaus except Experian. 

XXXXXXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX ( XXXX ) vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at XXXX XXXXXXXX XXXX and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that Experian had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that Experian was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.

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 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. 

What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. 
- The documentation used to verify the dispute

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 2020-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, this company contacted me via phone for the 1st time. I asked for written notifications of said debt, as the amount started was wrong and I wanted to dispute said debt. The rep state that a email was sent to me, I asked the rep to hold while I reviewed email which I was unable to locate at this information was never sent to me. The rep hang up the phone and when I returned to inform then of this information. The next day XX/XX/XXXX, this items was added to my credit report without me having the opportunity to dispute said charge. Which is not an accurate amount. Charges include items that were returned to direct tv. I would like to have my 30 days to dispute this charge. While I dispute this charge it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: Alorica Inc.
State: AR

Complaint narrative:
IN XXXX XXXX  SOLD MY XXXX BILL TO SEVERAL COLLECTION AGENCIES AND ALL ARE STILL REPORTING ON MY XXXX, ALL THESE ACCOUNT ARE TIME BARRED AND SOL EXPIRED.SINCE THEN XXXX HAS PUT A FEEZE ON MY FILES AND WON ; T REMOVE UNTIAL YOU SEND THEM A LETTER.

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 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I just want to be able to add my pnc account to my XXXX XXXX thats all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: EOS Holdings, Inc.
State: AR

Complaint narrative:
XXXX SOLD MY ACCOUNT TO 11 COLLECTION AGENCIES IN XXXX AND ARE STILL REPORTING ON MY XXXX. THESE ARE TIME BARRED AND THE SOL EXPIRED AS A RESULT XXXX  PUT A FREEZE AND WONT LIFT IT UNTIL YOU CONTACT THEM MAKE SURE YOU GET LETTERS FROMTHEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Trans-Union regarding my credit file. Trans-Union further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Trans-Unions that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect 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 2020-07-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
All of my information has been taking by hackers accounting to authorities. Since then I have been getting all sort of accounts on my credit report that do not belong to me. I am a victim of identity theft and trying to get this resolved from all 3 credit reporting agencies

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