vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied 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 2021-06-05 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: TX

Complaint narrative:
This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.

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 2021-06-05 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: TX

Complaint narrative:
This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM FINANCIAL did not properly report my vehicle loan account to the credit reporting agencies. The last reporting date was XX/XX/XXXX. I have made payments all the way until XX/XX/XXXX when I paid the loan off in full. 

I contacted GM financial, but they can not tell me why my account hasnt been properly reported. 

As to date, my GM financial account is still showing open and active even though it has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
This is in reference to the XXXX accounts on my report that have been paid in full. Ive disputed these items but the still show on my account as delinquent or charged off. Please remove.

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 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
A few months ago I was offered XXXXmembership rewards bonus points to keep my Amex Platinum card open for another year, for {$590.00}, and I accepted the offer. 

But since then, for several weeks, my membership account has been unnecessarily frozen for review. 

It is deceptive to make me pay a hefty annual fee for membership rewards points, but then freeze the account for an endless review so that I can't really use the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical Data Systems is billing for XXXX XXXX for a bill where the hospital failed to bill my insurance despite me providing my card at the time of service. I have spoke with both companies with my insurance on the line who also spoke with them however they refuse to acknowledge the mistake. I told them I have no problem paying my co-pays but I'm not responsible for their employee not doing her job when I went to the ER in XXXX of 2019. I have been battling this for over a year. Who advocates for patients when the hospital fails to do their job. I've had the same insurance for over 10 years and always keep my card on me. Plus I had a friend ride with me to the hospital who was present when I provided my insurance.

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 2021-06-05 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file. 


I would like to have these items removed or validated per 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file.

I would like to have these items removed or validated per 15 U.S.C

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I've worked and paid taxes as an American citizen as early on as 15 years of age with XXXX XXXX whom im glad to see doing business again. However out of my 15+ years tax paying employed salary/income I have to pay one fee for check cashing. The current financial ATM transferring has caused excessive financial problems & damages to my checking account/savings. I get one Social Security check monthly and were over charged thee check cashing fee were charged in the United States for cashing it. Bank of America, XXXX Master Card, XXXX Visa, XXXX XXXX Visa, XXXX Visa Cards as well. Each of them upon my trying to save for the next day at {XXXX} to {XXXX} a day transactions etc ways of budgeting I've been over charged the amount for cashing the check at an outrages rate of fees for budgeting it. Such as {XXXX} per transaction. When cashing amount of {XXXX} ive I'm actually being charged {XXXX} per 35 transactions at {XXXX} per transaction. Why hasn't anyone notice this has taken place. I do understand a little bit about how we govern things in America but please don't throw my money out the window to the wolves. After all I do TRUST IN XXXX if no one else does. Please fix and make them financial institutions pay, possibly not limited to non consumer customer transfers within their home location or not. As a traveling by state citizen the check cashing rate in California, New York, Washington etc might be higher than our other states in this country but, not no where near the amount the American citizens working or not working are paying to cash a check ( singular ) for the day, week or monthly amount were being charged be at home & foreign dignitaries Please do the math and not ignorance. Especially that the cost of living has rised. Is thAt a turn table # XXXX. Well get on it then.

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 2021-06-05 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: TX

Complaint narrative:
Ive disputed this item XXXX XXXX several times with the bureaus this item is a charge off and still shows late payments/charge off every month also shows a past due amount as well this is grounds for removal from my report per FCRA guidelines please do so.

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 2021-06-07 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: VA

Complaint narrative:
On Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me. 

This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider.

While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase. 

Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law. 

Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.

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 2021-06-05 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I have been going back and forth with a company name XXXX  # XXXX for {$3200.00} start reporting only on XXXX  credit report since XX/XX/XXXX I have sent police reports correct driver license and XXXX  takes off and put back on every 45 days. This account do not belong to me what else do I need to but sue this company due to I never own this account this has been going on since XXXX. It is truly hurting me from jobs and credit. 
I have and account from Frost Bank # XXXX open XX/XX/XXXX overdraft in XXXX paid {$690.00} Full Balance. Only showing on XXXX  they are literally reporting a bank account that I had when I 1st open my account on my credit report as a charge off I have also been going back and forth with them also after having 3 account with them that are correct o On my Frost account # XXXX, is continuing show late payment for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchase only one item from XXXX XXXX receipt XXXX. For {$30.00} and over charfe me {$110.00} plus {$30.00} this should be illegal please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
On XX/XX/2021 I was alerted by XXXX  that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. 

I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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 sent a letter to these companies on XX/XX/2021 about some incorrect information on my report. To this day, nearly 60 days later, I have not received a response yet. I understand they have 30-45 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Account No : XXXX Amount : XXXX This debt is not mine I demand it off my credit report in XXXX I never lived in XXXX were the card was opened, their for by law if its not yours it should be taken off your credit report. If its not of my credit I'm going to file a small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. 

On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account XXXX : XXXX This is not mine.

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 2021-06-05 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/EXPRESS Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Either Rooms to Go has been hacked or the company has a glitch in its system. I have had a Rooms to Go Store Card for about five years and has not used it for over a year. I can not log into my account nor can anyone at Rooms to Go assist with the problem. After speaking with Synchrony Bank and an update in address, I was able to make two purchases online about a week and a half, but Rooms to Go has no record of the purchases. However, Synchrony Bank has a record stating that one purchase is pending in which customer service placed a dispute to suspend the purchase. When I try to contact ( 1 hr hold time ) Rooms to Go, I am met with great rudeness and unprofessionalism, specifically, when requesting to speak with a supervisor. When I try to log into my account the transaction spins in outer space. No one seems to know how to fix the problem at Rooms to Go, and this non-action is preventing access to my {$1000.00} line of credit. No one knows what happened to the second purchase where I had to pay {$88.00} upfront due to credit limit with 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