vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a letter to XXXX, Transunion, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a 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 non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a letter to XXXX, XXXX, and Experian on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a 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 non-monetary relief
Consumer complaint received 2021-12-11 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from 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 non-monetary relief
Consumer complaint received 2021-12-11 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: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the illegal reporting of XXXX XXXX XXXX to XXXX and XXXX will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

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 2021-12-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the illegal reporting of XXXX XXXX XXXX to Experian and Experian will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!

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 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NJ

Complaint narrative:
Canceled XXXX subscription. Several months later, XXXX withdrew a monthly payment from my checking account. A call to XXXX resulted in an immediate refund. Several months later, I began receiving letters from debt collectors trying to collect the refunded amount. There is no debt. XXXX confirmed over the phone that there is no debt. However, Enhanced Recovery Company , LLC, XXXX ERC and/or Enhanced Resource Centers continues to claim the debt is valid and verified. Company has yet to provide any proof of validation or verification besides a simple printed output from their computer system. No proof from XXXX was provided, more than likely because it does not exist. This is in addition to sending letters to previous addresses, in and attempt to intimidate and embarrass, although they have receive correspondence and verification of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Insurance policies were cancelled in XXXX but yet {$53.00} continues to be outstanding I requested waiver from XXXX with no response The Subscriber Savings Account balance is due me now that there are no insurance products When I canceled policies in XX/XX/2021 I was told there was no balance on homeowners, valuable personal and vehicle policies The XXXX XXXXsubscriber savings disbursement is being held up for this {$53.00} balance Requesting waiver of {$53.00} as no policies remain. USAA cancelled some policies in XX/XX/2021 and I cancelled remaining in XX/XX/2021 Please return entire SSA Bal {$6200.00} and waive alleged {$53.00} due USAA has no complaint tracking policy which violates CFPB mandates and is constantly receiving OCC sanctions for its illegal practices This is elder abuse and age discrimination by USAA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of 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 2021-12-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of 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 non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Lending Club Corp
State: MD

Complaint narrative:
I received a credit card in the mail from Lending Club bank. Immediately contacted them to let me know that I didnt authorize this account and to close and report the card to their fraud department. Customer service also stated that she would send me a letter of our conversation and that the account would be closed. On XX/XX/11 I received a statement of the same account and contacted them again and they said the account was flagged but closed. I urge them to close this account because I did not authorize this account and they claim they are waiting for the fraud department to close the account. I have not received a letter from Lending club informing me that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
Gemini ( a crypto application provided by Gemini Trust Co, LLC ) was down for almost 24 hours on XX/XX/2021 and provided little or no information to its customers. This financial institution has no way of being reached by phone and only provides email support. While financial institution outages are common, the duration of this one without the requisite communicaitons was inexcusable. They boast about their SOC 1 and SOC 2 compliance but arent fulfilling their promise to their customers. 

There were no media reports of this outage, little credible information on their website ( since it was down ) and at times I felt my assets in their safekeeping were at risk. All they could muster is a jibberish email response from their CEO signed onward and upward, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying for many months to get Transunion to provide full validation, method of verification and the co right to collect on this account in question XXXX XXXX XXXX  Account number XXXX. I am asking again for these answers as my rights have been violated under FCRA and fair credit and billing act.

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 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
BBVA had a free bank account with no minimum. They apparently got acquired by PNC. I was not informed about this well enough. Account was forcibly converted to PNC account. 

Suddenly I start getting emails saying your minimum account balance is low. I thought it was a scam at first since I dont have a PNC account. 

2 weeks after I get a message saying my account was negative and that I will be charged a fee for account being negative. I immediately transferred {$2.00} to make up for the fee they charged. 

The kicker- the fee was for paper statements. I was enrolled in Paperless statements with BBVA and of course PNC being scum decided not to honor and likely charged millions of customers {$2.00}. I then begged them to close the account and they refused. 

I have been trying to get the account closed with no end in sight right now and still being threatened to be charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
i went to make a phone payment to a company. after i initiated this payment, i got a text msg telling me the payment was not accepted. it was declined. i immediately contacted the company i was making the payment to. and told them since i received notice that payment did not go thru, i made alternate plans to pay, outside of the bank i was using, wells fargo. 

later that evening, the next day, wells fargo was no longer declining this and pulled the {$450.00}. i nor the company re-initiated a payment request. 

when i told wells fargo this is their own error, as i only did the right thing contacting the company, telling them it was declined, made other arrangements, etc., thats done. i can not go back. thats over. 

unfortunately it was not over for wells fargo, they sent payment now telling me to dispute unauthorized transactions, and this is being treated and denied, as if there is some fault of my own, it is not. wells fargo was not to send this payment after telling me they declined it. now they wont give it back and me and the company are good, weve settled the payment. wells fargo needs to give me my money back.

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 2021-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I did not know I was paying for this service for my Paypal XXXX XXXX Synchrony card until about XXXX when I noticed my balance was not going down even though my minimum payment was over {$100.00} per month. I also lost my job at the time and wanted to file a claim. I contacted Synchrony bank and was told i had to contact the card security department or check the card security website. I remember having the same issue with my Amazon credit card and was able to find this on the card security website and cancel the plan. I tried to attempt this same step with my Paypal card and their website kept saying it cant find my information. I told Synchrony that if it cant find my information then whats the point of paying for this service and Id like to file a claim that this is an unauthorized charge. Instead of putting this charge on hold or putting a stop to it, they just told me to call that department back again. I tried calling again and was told that for some reason my name was not spelled completely and instead of 2 words it was combined in one word and that may have been why they couldnt find it before. I told the representative I wanted to cancel my plan and would like a full refund. I was told it was canceled and that I would get refunded what I paid for the plan which was over {$2600.00} at the time. I check my Paypal app and it stopped show the card security charge so I stopped worrying about it. Then a few days ago I noticed that my balance owed has been increasing even though I havent used this card in at least 2 years. I noticed that through the app it doesnt show the extra charge and I have to download the full statement for it to show the charge. Id like this plan removed from my card and get a refund for what Ive paid for this service up to this date including interest accrued

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 2021-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
New York  and company never sent me a bill. I know I had to make the payment I called and made the payment. The following month they said I was late. Technically I was late I made the payment before time so they applied 2 payment for the same month. When I tried to clear it with them they said they cant do anything about it. They closed the account I dont owe then and they still havent removed the late fee. This causing a problem on my credit report. I need to purchase my first home the American dream and I cant do that because of a {$25.00} dollar payment they considered late that technically was not late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A XXXX  delivered me garnishment papers on XX/XX/21 from Capital One, for a credit card debt for an extremly high balance and my credit limit wasn't even half of the amount they are requesting. 

Not only am I currently unemployed due to XXXX ( and I just lost a family member due to XXXX ), but I have NEVER been contacted by mail, email, or telephone prior! I never received a bill, statement, or settlementt offer for this debt! I checked my credit reports, and this card shows as a charge off on my credit report over XXXX years ago, plus it is past the statue of limitations. Before I hire an XXXX, I would like to dispute this debt, stop the garnishment/lawsuit, and have it removed from my credit files with all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
want to know why my acct was closed, it was in good standing, credit krama reports closed

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 2021-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
The XXXX XXXX, my property management company, sent my account to collections for a previous unit i lived in and I pretty much lost access to even see the adjustments after an XX/XX/XXXX move in on XX/XX/XXXX. In XXXX my property manager told me she'd get it to me the next day. Unfortunately I didn't receive anymore correspondance until I received a collections notice on XX/XX/2021, but didn't even get a ledger until XX/XX/XXXX. My fiancee received a collections notice XX/XX/XXXX.

Company response to consumer: Closed with explanation