vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: FL

Complaint narrative:
TransUnion XXXX To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both TransUnion and XXXX are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.

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 2023-08-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have reached out to XXXX XXXX 's XXXX XXXX via phone on numerous occasions to dispute the error they are reporting in my ChexSystems file. 

However, each time I call I am routed to a department that says they can not obtain my account information since it is closed. 

I am in receipt of my ChexSystems report, and there is inaccurate information reported in my file. 

XXXX XXXX XXXX XXXX XXXX is reporting an unpaid balance which is inaccurate. The outstanding balance has been paid, and I have attached a copy of the money order that reflects it has been paid in full.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My account with Barclays, XXXX XXXX XXXX XXXX was closed. I made a long term payment plan at $ XXXX  monthly till it was paid off. I had been paying that for over a year when I went to make my payment in XX/XX/2023 they said my account was transferred to XXXX XXXX and could not take my payment. I called XXXX XXXX and they had no record of me so I called back Barclays and they said it takes time. In XXXX I got notification that my account was delinquent from Barclays and after calls on XX/XX/XXXX and XX/XX/XXXX they said they could take a payment for the card while it was still transitioning to XXXX XXXX to bring my account current. I was taken out of the long term payment program for missed payments when I was able to make those payments and they were reported as missed through no fault of my own. I contacted a lawyer who wrote a letter that I be reinstated into the payment program and have heard nothing. At this point in time I have made countless phone calls to Barclays and have not found one person who understands what has happened and there has been no effort to resolve this. I have confirmed with XXXX XXXX that they do not have my account and Barclays continues to send me emails as to payment reminders, sometimes Im able to make the payment easy albeit now a high interest charge and sometimes I still have to deal with Barclays saying they cant accept my payment. I am denied online access because my account is closed, however I have a balance that I am paying off. The email for payment just has the date and minimum payment due. This has been a frustrating situation that has affected my credit score and they should be able to see that my account was not transferred and allowed to make payments easily.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my XXXX XXXX and noticed that i have two late payments on an account that i was not late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer info to the best of their ability with accuracy. I have been late on this account in the past but Equifax should not be allowed to tack them on just anywhere they please, because i experience a rough time in my life. Please invesitage account number XXXX on XX/XX/XXXX and XX/XX/XXXX are showing late on equifax but the the other credit agencies reporting on time. I just want them updated to on time so that its true to me and i can try and continue to have good credit. Please provide proof if not proof is provided i Demand that they update those 2 months as current on time. Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Initially, I received a text on my XXXX from a company named PENFED Credit Union, that I've applied for a cc but they can't check my credit history because my files are locked. ( Thank goodness I had all three locked and frozen ). A couple of weeks later I get a letter in the mail from PENMED Credit Union, dated XX/XX/2023, thanking me for my recent credit application. But upon attempting to access my credit information, they received a notification that my credit information is locked. In order for them to perform their credit review processes, they will need access to this information. And then they asked me to go to XXXX and unlock it. That is when I called my ID protection through XXXX. XXXX directed me to their resolution center XXXX. It is now under investigation with XXXX. 

While on the phone with XXXX  restoration specialist, she called PenFed to report. Pen Fed has written a report and sent it to their security department.

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 2023-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX UNDER 15 U.S Code 1692G ( B ) I sent CAPITAL ONE FINANCIAL CORPORATION a VALIDATION OF DEBT FORM. I requested them in writing that they have 30 days from the receipt of the letter to send me the following information the name and address of the ORIGINAL CREDITOR, Documentation verifying the amount of debt including full detail breakdown of principal interest fees and other charges like the FINANCE CHARGE, PROOF that they are authorized to collect this debt on behalf the ORIGINAL CREDITOR and copies of any contract agreement related to the debt binding both parties. I requested the DEBT collector to CEASE COLLECTION of the debt and any CREDIT REPORTING TO THE BUREAUS or any dispute portion, until the DEBT collector obtains verification of the DEBT or a copy of judgment, or the name and address of the original creditor. I also ask for the response to be hand written back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I didnt know how to pay the money and how to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citibank credit card and they suddenly informed me that they are " closing my account '' with no explanation, even though I have had no payment issues, and have asked for explanations multiple times. I have called Citi customer service 4 times in the past week, and every time, the representative tells me something different. One representative told me they couldn't re-issue me a card because of something on my " credit report '' and I have to " call the credit bureau to find out why Citi can't reissue me a card. '' ( I then checked my credit score on XXXX, XXXX, and XXXX, and all three list my credit score as either XXXX or XXXX. I have a very good credit score and no issues paying my Citibank account. I make over {$300000.00} in salary annually. ) Another Citi representative told me my account was closing and they had " no idea '' why it was closing. A different Citi representative told me they would " raise a complaint internally '' about my account closing, but I never got a response from that. A fourth Citi representative told me they would " send me a letter '' electronically or via paper mail explaining why they were closing my account, but I have not received an electronic message or paper mail explanation. 

I have held a Citibank credit card for years. Every month I pay the entire balance due, and I pay on time. I have never had any issues getting replacement cards for new cards once my prior card expired, including from Citi itself. I do not know why Citi is refusing to reissue me a new card once my account expired in XXXX, but it is apparently not based on my payment history, and they are refusing to tell me why. I think this company should be held accountable for its horrible business practices.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I own an American Express Blue cash preferred card. 

I enrolled into an offer which states that - " Get a one-time {$60.00} statement credit by using your enrolled eligible Card to spend a minimum of {$300.00} USD in one or more purchases on room rate and room charges at participating XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... '' I booked through the website as it was mentioned in the offer - XXXX 
The property is also NOT in the excluded list. 

But, even then Amex is denying to process the {$60.00} credit. 

My claim is here that Amex lure customer with these fraudulent offers and then do not honor them. I have reached out to them several times through online chat service as well as phones calls, but their representative keeps denying the claim with no substantial reasons or false claims. 

I have all the written confirmation email for the booking at at one of the properties of XXXX XXXX  at XXXX, North Carolina between XX/XX/2023 - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: AR

Complaint narrative:
THE OFFICE OF CHILD SUPPORT ENFORCEMENT IN XXXX XXXX, ARKANSAS HAS BEEN REPORTING UNTRUE INFORMATION ON MY CREDIT REPORT THEY ARE REPORTING MY CASE TO BE IN COLLECTIONS AND ALSO REPORTING MY CASE TO BE CLOSED WITH ONE CREDIT REPORTING AGENCY. I HAVE SPOKEN TO MY CASE WORKER AS WELL AS THE SUPERVISOR AND THE ACCOUNT SPECALIST WHOM ALL INSUED ME THAT MY CASE IS NOT IN COLLECTIONS AND I HAVE BEEN PAYING ON TIME AND THAT THEY WOULD GET THIS ERROR FIXED IT HAS BEEN OVER 4 MONTHS AND THE ISSUE REMAINIS I HAVE SPOKEN WITH THE CREDIT REPORTING AGENCIE WHICH ALL INFORM ME THE THE OFFICE OF CHILD SUPPORT IS IN FACT REPORTING THE ACCOUNT TO BE IN COLLECTIONS.

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 2023-08-21 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: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-21 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: NY

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2023 I paid for a hotel and rental through affirm. They started to take payments out as agreed. In XX/XX/2023 I utilized services and XXXX credit card was charged. I spoke with multiply ppl at affirm explaining that I had already paid for services. I opened up a dispute. Provided proof and waited well over the 90 days to be told I lost my dispute and still had to pay despite paying already. They also reported all the payments as late payments which has negatively impacted my credit report. This is not fair. I made a complaint with the XXXX about Affirm and they still have not answered the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Letter below is what I sent to the merchant after waiting several months to this on going issue. I called countless times addressing this issue and was told to wait until the merger was final and I will see the credit on my acct. 

Barclays have done not tried to resolve this issue during any of my calls to address my concerns. They sent a letter on XX/XX/XXXX stating they received my docs for dispute and it would take 45days to investigate. Then I received another letter on XX/XX/XXXX as this case is closed due to 2 billing cycles has passed and nothing can be done about this issue. I have asked to speak with a manger many times only to be told we will have a manager call you in 48hrs. I never received this call. EVER. Letter below is what I sent to the merchant. 

Hello, I was told to fax this information because of a missing refund/credit dispute. 
I received a {$490.00} refund/credit to card ending # XXXX this card was when the acct was with Bank prior to the merger from XXXX XXXX  XXXX The refund/credit was processed by XXXX on XX/XX/XXXX from the original purchase on XX/XX/XXXX through XXXX for XXXX XXXX purchase on cc # XXXX. 
I need to dispute this for credit asap due to the inconsistent information I have received from customer service during countless calls.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NV

Complaint narrative:
I called to report my card was lost on on or around XX/XX/2023 XXXX XX/XX/2023 I filled out a fraud packet on 15 th email it right back after that I called because it says on packet they sent me if I get it back 10 days from XX/XX/2023 id receive a provisional credit which I did get it to them in time they dtill were not done with investigation but as soon as I called about the credit they all of a sudden were done investigation so they denied my claim and said they can't proof fraud but on my email i asked for from them its says i might have dropped my card at gas station or left it in atm i never told them that on any paperwork so they say thats the conflicting information my card was lost at XXXX it was inside a small change purse and i kept my pin on very small piece of paper in another part of change purse with other things written on it so it would be hard to tell its a pin please help me XXXX was taken off my XXXX card that caused me to not be able to pay this month rent I'm on fixed income the direct express card company I feel didn't do a investigation and just doesn't want to give me the credit this card is my XXXX son card who is a minor and I'm his pay e

Company response to consumer: Closed with monetary relief