vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. My request was sent via USPS Certified Mail, Receipt # XXXX and was delivered on Tue, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Drivers License, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card, which has no expiration date, for identity and address verification. 
Also included in my request for my credit report were copies of my previously submitted CFPB consumer complaints against TransUnion that document my consistent and continued attempts to obtain my credit report, which continue to be ignored and denied by TransUnion. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.

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 2018-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Opened a GM credit card account prior to XX/XX/XXXX. At some point, the card management was taken over by Capital One. Have been paying down the balance since that time and in XX/XX/XXXX closed the account as I opted out of the change in terms related to interest rate. The account was paid in full on XX/XX/XXXX in the amount of XXXX. The card was paid off as Capital One changed the on-line payment methods and I was not able to use on-line account management due to these changes and Capital One refused to work with me to give me on-line access to my account, so I found a way to pay it off in full. They are now trying to charge me residual interest on {$4.00}. I tried to dispute this charge until Capital One could send me a copy of my original terms for this card, at the time I opted out of any changes to my account, but they refused to allow me to dispute the charge. 
No only do I believe they should credit my account in full for the {$4.00} charge, but should also allow me to dispute this charge so that am not charged any penalty, etc., until resolved. Capital One is completely unwilling to work with customers to resolve any issues. I never asked for this account to be managed by Capital One. I have no other accounts with them due to the unethical behavior. Just the fact that they respond does not mean the issue has been resolved. Your assistance in having my account credited in full for the {$4.00} charges would be sincerely appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
In XXXX, I received my first credit card which was an XXXX XXXX card. I was told to pay each month in full. I did not know I could pay monthly payments. I had a balance of approximately {$2200.00} and was not able to make the full payment due to losing my job in XXXX. I also didnt make monthly payments because I didnt know I could. After 3 months XXXX XXXX closed my card and sent it to collections. After trying to pay them off earlier this year, they stated they had settled with the IRS and I would pay it on my taxes which wasnt an issue. However, this derogatory mark is on my credit and fnb Omaha will not remove the mark from my credit report. Ive tried everything and this is the only derogatory mark on my credit report. Please advise how I can get this removed as I was naive and did not have the proper guidance. 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 2018-08-04 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
To whom it my concern, Several months ago I pulled my credit report from all three major bureaus. There were several items being reported that I did not recognize. I disputed these items with the 3 bureaus and several of them were deleted. 2 accounts were not deleted, however. Portfolio Recovery Associates, LLC ( PRA ) Is reporting 2 accounts that I don't recognize. I disputed the accounts with the 3 bureaus and directly with PRA. I had never received ANY communication with PRA concerning these 2 accounts until AFTER I initiated the dispute process. Once I began the dispute process PRA sent a printout of an old statement from both accounts. The copies of the original statements showed that they were originally addressed to 2 different addresses, both of which belonged to my father. My father and I share the same name with no differentiating title, i.e. junior, senior, etc. I sent a letter to the 3 bureaus and PRA requesting more information/proof that the accounts were mine. I have received no such proof from either PRA or the 3 credit bureaus. I keep receiving the same form letter from PRA that lists name, account number, date account was opened, balance, etc. The ONLY original information I have ever received is one copy of a credit card statement from both accounts which both list addresses that belonged to my father. I believe that PRA and the three credit reporting bureaus have NOT performed a proper investigation, even after being requested to do so, and continue to use the XXXX system in order to " validate '' the accounts. I simply want proof that these 2 accounts are mine and not my fathers and to have these 2 accounts DELETED from my credit profile if proof can not be produced.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: SC

Complaint narrative:
I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX  XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am suppose to receive direct deposit into my account of my choice I chose XXXX XXXX XXXX right now as we speak someone put a hold on my funds just before my deposit was suppose to be delivered then someone switched my direct deposit to citizen 's bank after social security completed a trace I then went to citizens for more information I was told by this associate that it had just popped up and I had a negative balance of XXXX she called collections told me that they were going to take the XXXX and mail me a check. today is the fourth and I don't see the funds in my XXXX XXXX XXXX account. 
Also I received an approval letter from rent rebate for XXXX that I was suppose to receive on the XX/XX/XXXX and it also, have not been loaded onto the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected

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 2018-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected

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 2018-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Business Information LendingClub Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Advertising Issues Problem description : In XX/XX/XXXX of this year Lending Club sent me a letter which contained fake checks for {$5000.00}, {$10000.00} and {$20000.00} in my name. The letter told me that I was Pre-Approved for any of those amounts. I ignored them. Then in XX/XX/XXXX my air conditioner failed and was quoted a new one for {$9600.00}. I called Lending Club about their offer and asked them if it was still valid. They said it was then I asked for a loan of {$10000.00}. I was told that I really only qualified for {$2000.00} at an interest rate of about 26 %. They told me that Pre-Approved does not mean Pre-Approved. What it really means is that I can apply for a loan to see how much I actually qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion as of XX/XX/XXXX report has said that due to public records and high balances that it can effect my credit score. The law pass in XXXX states that no credit Bureau can place or use collections and Tax liens against you. It seems that Transunion does not follow the laws. Trans union is going off of 3 RD Parties in which has no support or proof of the real amount or if any balance or amount is correct. I also had ask 3 months ago for proof from Transunion in which no documented proof nor any proof from the source has been provided as. I requested documentation to support what there saying to high credit card limits & collections or liens. Transunion also has had bad issues after items have been deleted and no longer on my report. Transunion also does not factor how much was deleted by the creditor in error/ greater. With credit bureaus its no more than a game if you pay it off or closed the account TransUnion tries to use it against you. TransUnion has a creditor place bad information in which its recall and informs the credit bureaus of errors and to delete the such said itmes

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 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to XXXX, XXXX and TransUnion regarding XXXX XXXX # XXXX {$18000.00}, XXXX Loans {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2018-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. 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 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had flooring installed in my home in XX/XX/XXXX, before the job was completed my wife noticed and brought to the attention of the installers areas of the floor that were uneven, soft and appeared to be defective. The installers stated the floor needed to settle and that the appearance would improve. The day before the job was completed the lead installer who was not present during the installation advised the price of the flooring increased by {$8000.00}. We also pointed out areas where the installers had caused damage, and that they had damaged our freezer door with a staple hole. Documentation was emailed to us with signatures that are not mine or my wife. I was provided a XXXX credit from Citibank ( Sears ) that was to be used towards the purchase. We have notified Citibank many times and was advised that no charges would be not incur during the investigation and dispute. However I am still receiving collections calls as well as past due statement for 6 months. I am a XXXX XXXX Veteran, XXXX 3 times a week, I use a wheelchair, walker and cane to get around my home. I filed with the BBB and the States Attorney offices but have not received a resolution, my credit report was recently pulled and this is affecting my credit score. I have not missed a car payment in 4 years nor a mortgage payment. The flooring is defective, bubbling, poorly installed in some areas as much as XX/XX/XXXX inch different. SHIP ( Sears ) states the flooring issue because my walls and floors are out of plum. The floors SHIP ( Sears ) removed from my home where 3 years old and consisted of Harwood, Ceramic, 1 room had carpet. The product XXXX ( Sears ) installed is a laminate, proposed by the sales  rep. as having a 50 year warranty and is a better product than Harwood. Sears wants me to remove the flooring, store in my home until they can pick up, the money we paid XXXX down is be used to pay for the damages caused to my home. They are asking that we drop the charges of forgery and not to make this issue public. I lost my left foot and a portion of my leg in XXXX to XXXX XXXX, I am now having the same issue with the right and will be starting Hyperbaric treatments to help with the healing if possible. We are seniors and do not have money or a lot time to spend on a lawyer. XXXX  ( Sears ) Area GM also visited our home and same the problems with the flooring, they remove the floors and install a porcelain product however it would cost XXXX. Yes we have allowed them into our home to view the defective flooring and the lousy installation, and the damages to our home.

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 2018-08-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX  XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau
State: CO

Complaint narrative:
I have tried several times to resolve this account with this collection agency XXXX XXXX. I was never notified if the debt, it was found on my daughters credit and when we called to verify it, they are trying to collect from myself and daughter on the same account. She was covered under Medicaid in the state of Oklahoma on date of services and also 18 years of age so this should not be a debt in my name to begin with I have sent the documents providing proof that was covered to the collection agency. On Friday XX/XX/2018 I called to see if had been updated and removed, I was told they could not talk to me about it because it is in dispute. I said are you telling me you cant discuss my own account with me and Im the one disputing this, she replied yes. Myself and daughter have tried numerous times to clear this up and have removed from the credit report to no avail. On XX/XX/XXXX I received a letter still requesting payment from the collection agency. I need help getting this resolved. It can not possibly be legal to try to collect the same debt from 2 different consumers

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX # XXXX {$18000.00}, XXXXXXXX XXXX {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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 2018-08-04 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:
XXXX XXXX is stonewalling my attempts to clear my name from negative marks on my credit report. I have written to them on numerous occasions over the past 6 months expressing concern that they are reporting inaccurate information. They are reporting negative marks that do not belong to me. I asked them for proof that these negative marks belong to me and they ignore those requests. They conveniently send 'form ' letters with he last one claiming they don't understand the nature of my request which is utterly ridiculous. 

This is a willful attempt to circumvent their obligations under FCRA.

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 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

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