vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them

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 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, This debt is over 15 years old and they keep selling the debt to other companies and those companies are re-packaging the debt and they are reporting it negatively every month to the credit bureaus.

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 2015-08-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I had a XXXX XXXX account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. From XXXX XXXX through XXXX XXXX. They reported I was 30,60,30,30,60,90 days late. Which shown up on my TransUnion report. It shown bad marks from them on my XXXX report. I do n't have access to the XXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX not XXXX XXXX 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 2015-06-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

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 2016-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Trans Union and that their court does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Trans Union? According to the FCRA it is not permissible for Trans Union, a THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. This information is not accurate and is not me.

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 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.

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 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All my student loan has been paid and charged off. i call department of education and the confirmed it. the even went and check the national student loan database and my account was clear but my credit report show multiple student loan thru multiple collection agency those informations are not true and needs to be removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal 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 non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These are all inquiries that were listed 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 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX 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 2016-10-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is currently reporting the following inquires on my credit file are over 2 years old. 

all of these inquiries are from XX/XX/2014-XX/XX/2014 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX via XXXX XXXX XXXX 14. XXXX XXXX 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 explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed this account several times within the last 6 months. It is not mine. Transunion keeps saying the account was verified and updated. However, it has not been properly verified accpording to FCRA law. In the last 6 months, no documentation or contract signed by me has been sent from this company. According to law when the company can not provide documentation within 30 days, the account supposed to be deleted. Transunion has faild to comply by law which is forcing me to pursue action according to law. 

XXXX Acct # XXXX Unverified Account

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 2016-02-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Amazon offered a store card issued by Synchronycredit.com, which I signed up for. 
During an Amazon checkout, I was offered a " deffered interest '' promotion using the Synchronycredit.com card on an item that cost {$160.00}. The terms were that if you paid the balance by the end of the promotion you would be charged no interest. I called Synchronycredit to confirm that payments made in the meantime would go toward interest-bearing purchases first. They confirmed this. I then received a bill showing that I was charged interest, which was then rounded up to a " minimum interest fee. '' I called Synchrony and was told that my payment was " split '' between deferred and non-deferred balances, and that in the " first two months '' that would happen. I went to the website and found the card terms that explicitly state my payments should go toward the non-deferred items first, and that this would only change in the *last two* months of the deferred balance period. Synchrony agreed to reverse the interest charges, but they never fully explained why this happened. If they did this to me, they are probably doing it to other customers ; and if they did this to me once, I ca n't trust they wo n't do it again. If I cancel the card, it looks bad on my credit to have a briefly opened account. I feel stuck with a company that is behaving fraudulently right off the bat. They are scamming people out of " minimum interest '' fees when those fees should not be charged according to language in their own card terms. Here is their exact language regarding this ( my promotional balance expires in XXXX, so we 're nowhere near the last two months ) : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.

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 2016-05-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been in contact with company for over a year now regarding the debt they are trying to collect. I did not make the purchase they are stating I made so I am asking for some sort of itemized bill in which they have not given me. I have been asking every month when they send the collection notice and we are going in circles. I have received the exact same statement showing a balance. This issue is negatively impacting my credit and as you can see I have never paid a single bill late and this is reflecting poorly on me. Every time I speak to someone they are dismissive and just yes me and nothing gets done about my issue. As well the debt was first being collected by Synchrony Bank then was transferred to XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had an account with PAYPAL MC since XXXX XXXX, 2014. However, I my balance and history got transferred to Synchrony Paypal MC which is the same thing and history but in my CREDIT REPORT its showing as a new account in which it effects my credit. It now showing as a NEW ACCOUNT but its not a new account because my history and balance is the same. 

I AM REQUESTING THAT THE CREDIT CARD REPORTS TO XXXX AND XXXX THAT THE ACCOUNT WAS OPENED ON XXXX XXXX, 2014.

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 2016-10-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about this ... ''

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...

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 2016-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Synchrony bank has consistently been harassing my ex boyfriends parents when there number was never given out. I am going through bankruptcy and the debt will be taken care of after my discharge. I do n't appreciate people knowing my business when I no longer speak nor see them

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 2015-08-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
After XXXX refused to fix, replace or refund charges they made to my Barclaycard XXXX for some unusable equipment and service that could never happen, I called XXXX to try to open a dispute. On XXXX/XXXX/2015 at XXXX, XXXX , Employee ID : XXXX, took my complaint and said she would be back with a case number. When she returned, instead of giving me a case number, she conferenced XXXX of XXXX on the line. A little way into XXXX and my argument, I realized XXXX had already hung up the phone. I hung up and called Barclaycard back, and XXXX, Employee ID : XXXX tried to get XXXX on the line again. I told XXXX, just like I had told XXXX, that all my attempts to talk and email some sense into XXXX had failed, because all they do is take money. I told XXXX to just open a dispute like other credit card companies do, but she refused. She said all the supervisors were too busy to talk to me. She said I would have to cancel my card to stop XXXX 's monthly billings for nothing. I called back and XXXX, Employee ID : XXXX cancelled my card for me. I explained to him that I would never pay them for the XXXX charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief