vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
I was not properly served notice of a suit that has been filed against me. This law office acting as a collection company has no legal bases to sue me. I have no contract with them. I regularly check the court records online to ensure that there are no cases against me and this was how I found out. This company did not properly serve me. I have also noticed that there is a completely different company ( XXXX XXXX XXXX ) on my credit report filing negative information for this same account. I have submitted a debt verification affidavit ( via certified mail ) over 21 days ago and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: MA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-12-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-12-22 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: AZ

Complaint narrative:
XX/XX/2019 someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. I have been waiting since XXXX XXXX, I have called XXXX over XXXX times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX XXXX XXXX. 
Equifax tells me they haven't gotten anything from XXXX XXXX XXXX and they redirect me back to them. Its an endless loop. 
I have filed a police report, which I will upload to you as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: NY

Complaint narrative:
This is a medical debt that went into collections with AR Resources. I paid the debt of {$220.00} in XXXX of 2019 and have the transaction code ( AR Resource term ) they gave me as proof of payment. It is transaction code XXXX, that is the code they gave me as proof of my {$220.00} payment. The debt has been on my credit report this whole time and I have worked diligently to get it removed. It was not removed however. XXXX XXXX found the information of the debt to be correct!! So AR was telling them I still owed the money. AR has not submitted any information to remove this debt from my credit report. They refuse to help me at all with my credit situation. Please help me get this information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: OH

Complaint narrative:
This is actually my second complaint. The first complaint XXXX was submitted on XX/XX/2019 and closed on XX/XX/19 with the late payments being removed from my credit report. It is now XX/XX/2019 and the same incorrect information that I complained about then has still not been updated. I submitted payment information and letters from XXXX showing that I my payments for the month of XXXX and XXXX were never late and this information still has not been correct and it's affecting my credit rating and I'm receiving a higher rate on my mortgage qualification due to it. I just wanted the information corrected ASAP, because it's not far to me as the consumer to have to constantly contact Transunion to ask them to fix something that's they know is incorrect. I have attached the supporting documents along with the detailed from the report submitted on XX/XX/2019. Transunion is the only credit reporting agency that I am having this problem with and I'm starting to get really frustrating that they know the info is incorrect, yet they are still placing it on my report with proof that its incorrect.

Prior complaint:

I received a copy of my credit report at the end of XXXX  that showed that XXXX  shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX   within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX   XXXX on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX  at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.

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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received an alert that SYNCB made a hard inquiry on my report, however, I didn't apply for any credit card from synchrony and affiliates..

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 2019-12-22 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had to file a 2nd claim to get Comenity Bank to reopen a previously filed claim for a charge dispute as they were not being fair in how they handled the matter. The issue the first time is they close the claim and do not communicate what they need until they send a letter and it states they have closed the claim, not even giving me a deadline : just closing it. Their Customer care Rep XXXX even stated they normally allow longer time frames than what they gave me when I called this morning to request this they re-open this AGAIN for the 4th time. 

I relayed to them I had additional documents to mail and I receive a message on XX/XX/XXXX saying they have not received the documents and maintain their position and are closing the claim. This is NOT fair as they are too quick to close a file yet they will not communicate with me or tell me the time-frame They say 60-90 days but they are too quick to close this out. 

I do not want to leave any stones un-turned as they unfairly denied the claim without proper investigation. They don't even give me a deadline, I merely get a letter saying they have closed the claim instead of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
settle for XXXX to XXXX XXXX XXXX collection agency by mistake send a check for XXXX contacted them and they will not send me back the amount over paid I am on XXXX tried several times they fraud told me a lower amount to settle my account and now what give me back the money that is due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I made my last payment which brought my account balance to {$0.00}. On XX/XX/2019 I requested to have my account closed. On XX/XX/2019 I got a response on a formal letter stating that the account was pay in full and is now closed. However I went into my online account to make sure it was closed but now I see that the account was never closed and I have a balance of {$29.00}. I reach out to customer service and was informed that the letter they sent was incorrect and I have to pay this amount. I do not understand how can I closed an account and have a letter stating so they do no want to honor that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-22 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
Started my daughter XXXX Treatment at the XXXX, Tx XXXX XXXX at XXXX XXXX XXXX location in XX/XX/2018. I moved & transferred locations. My daughter currently receives treatment at XXXX XXXX XXXX. XXXX, Tx XXXX XXXX location. The balance was transferred to this location as well & is associated with a new account number. I have only 1 account with XXXX XXXX for my daughter XXXX. But 2 accounts are showing. 1 that is current and is not in collections & this one which is inaccurate. I have disputed before but it is still on my credit report. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have been making payments on my debt to the original creditor, which have been accepted and withdrawn from my bank account. I have told this creditor several times through phone calls and disputed this in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
ALLY BANK : I obtained a used car loan with Ally Bank. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and Ally refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and Ally Bank are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

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 2019-12-22 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: NJ

Complaint narrative:
Fraudulent and duplicate student loans on my credit report. Experian failed to investigate or consider my personal statement. Problem has not be rectified.

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 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phillips & Cohen Associates, Ltd.
State: NH

Complaint narrative:
On XX/XX/2019 I checked my mail at XXXX XXXX XXXX, Unit XXXX in XXXX, NH. I opened a letter from Phillips & Cohen Associates, LTD. To my surprise the letter was addressed to the Estate of XXXX XXXX XXXX It read that this company recently learned that I was deceased and that it was trying to collect a debt from my estate. 

I am not deceased. I have never represented to ANYONE that I am deceased nor has anyone else represented that I am deceased. How XXXX XXXX XXXX XXXX got this bad information is something I would very much like to know. I would also like to know who they represent as they referenced that their client notified them I was deceased. 

I have no idea who their client is and there was no information in the letter to whom the debt was owed or the origination of the debt. There was also no information in the letter that I, or should I have been deceased, my estate had the right to dispute the debt. If I had been deceased my executor, who likely would have been close family member, would not have known that they had the right to dispute the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: TN

Complaint narrative:
XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

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 2019-12-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. XXXX  refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX  are misreporting the loan balance. XXXX  continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.

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 2019-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were credit inquires on my credit report not authorized by me. 

Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date : 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 explanation