vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has fraudently, illegally and intentionally reported erroneous information to Experian. I contracted a lease agreement with XXXX XXXX in XX/XX/XXXX for amount of XXXX. The account number is XXXX When I disputed an error reported to Experian Credit bureau , XXXX XXXX maliciously changed the contracted lease amount from XXXX To XXXX. Also XXXX XXXX keeps changing the Late date referencing a 30 day late so it can continue to reflect on my credit report. Ive included a correspondence showing what XXXX reported to EXPERIAN in XXXX and now XXXX XXXX XXXX is reporting a different contracted lease amount as well as a new XXXX date referencing when the payment was 30 days late. Im requesting XXXX to report the lease amount of XXXX, XXXX that I contracted to and report truthfully that this 30 day late is more then 7 years old and needs to be deleted off my EXPERIAN CREDIT REPORT. Dont let XXXX XXXX get away with changing loan terms 7 years later. Dont let XXXX XXXX get away with erroneous reporting well beyond legal statue limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In late XX/XX/XXXX ( or earlyXX/XX/XXXX ), I opened an American Express Credit Card account for the purpose of transferring some credit card balances to the XXXX Credit Card account. All of the transfers went fine, except for one. 

One particular credit card balance was from XXXX XXXX XXXX for the amount of {$1300.00}. I was not able to complete this on-line, so I called the balance transfer department at American Express and completed the transfer over the phone. 

I then received a letter from XXXX XXXX, dated XX/XX/XXXX, stating that they received a payment for {$1300.00} that went to an unknown account ( See Attachment 1 ). This transfer also appears as going to XXXX 's on my XXXX   statement ( see Attachment 2 ). I subsequently called XXXX 's thinking they would refund the payment to XXXX or directly to me, but they wouldn't speak with me because I do not have a XXXX 's account and they had no way to identify me and suggested I contact XXXX. 

I then called XXXX and they told me they would investigate the matter and assured me this error would be corrected. A few weeks later, I called XXXX back because I had not heard back from them and they again told me they would investigate the matter. I subsequently received a letter dated XX/XX/XXXX of this pending investigation ( See Attachment 3 ). 

I then received another letter from XXXX, dated XX/XX/XXXX, that that they have completed their investigation and that essentially the funds were deposited with the instructions provided ( See Attachment 4 ). I subsequently called XXXX  to obtain clarification, but I was continually passed around from department to department and no one could help me. 

I have confirmed with XXXX that they have not received any payment from XXXX ( see Attachment 5 that has the last 4 numbers of my XXXX account number ). I have confirmed there is no reversal for this balance transfer showing on my XXXX credit card. I have no way of knowing what XXXX XXXX has done with the money. 

I want XXXX 's to refund the money that XXXX sent them mistakenly and then I want XXXX to credit my account for the {$1300.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
i noticed this debt got added to my credit file circa XX/XX/XXXX. Sequium Asset Solutions Failed to send me a notice that they were trying to collect a debt therefore they have violated my consumer rights. I have disputed this debt with all three credit bureaus as well as Sequium. Sequium did respond to my dispute with the bureaus with a questionable bill of service but was unable to provide any solid proof of this account being mine. I also sent Sequium notice via USPS certified mail circa XX/XX/2019 that they have violated my consumer rights by not sending an initial dunning letter giving me my rights to dispute the debt and they have ignored my request to remove this from my credit reports they also have ignored the letter i sent notifying them of their failure to comply by sending me an initial debt notice. I demand this be removed from my credit file otherwise i will seek legal council against Sequium Asset Solutions for their non compliance with the fair credit reporting act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to 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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 I was assessed 5 OD fees in the amount of XXXX a piece by M & T bank for 3 ATM withdrawals and 2 Debit card transactions. I have banked with almost every institution and never in my life have I ever received an OD free for a Debit card transaction. Not only that but, i did these transactions prior to signing an authorization for giving M & T Bank permission to allow ATM withdrawals and debit card transactions that would result in possible OD fees. I feel I should be refunded the total fees the fees are more than all the transactions combined. Since I opened my account I have never had an OD fee until now and I never received a fee when my account went negative accidentally from a debit card transaction until now. I spent XXXX dollars at XXXX and XXXX cents at XXXX XXXX and it cost me XXXX dollars to do so. I have tried to rectify this situation with M & T directly with no success. Hopefully you can mediate to get them to reverse the fees as a one time courtesy and also since again the acknowledgement what done after I had already processed these transactions.

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 2019-02-27 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
i Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy. 
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit. 

However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry. 

This company records do not provide the one document to be factually sound in their previous statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute with Experian, XXXX and XXXX concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( world XXXX XXXX-XXXX XXXX ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX was purchased by XXXX and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by Experian and XXXX XXXX by reporting this other wise with out any documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I feel XXXX is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
fell behind and having financial hardships- company wont work with me on lower interest and possible settlement offer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to 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 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
OnXX/XX/XXXX I file a complaint with Cash app regarding paying for services I never received and that the receiver of my funds of {$250.00} refused to pay me back my money and refused to complete the service. I sent pictures as well as all other information that was requested by cash app. Cash app requests me to send the information in 2 additional times. The last time I refused and I felt like they were not taking me serious as a customer. My cash app name is $ XXXX my phone number associated with the account is XXXX. The information regarding the receiver XXXX XXXX that they request cash app name is $ XXXX his phone number XXXX the transaction number XXXX. Time and date of transaction -XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A debit card linked to one of my accounts at Bank of America was compromised and used to withdraw {$8600.00} from that account. The debit card and PIN was used to transfer {$8800.00} from another linked account using an ATM at a XXXX store in XXXX XXXX, CA. Shortly afterward, the same card was used to make a purchase of {$8600.00} from a pawn shop in XXXX XXXX, CA. The claim was denied because the PIN was used. Ive been a customer at XXXX for over 25 years and even have my IRA account with them. Ive never been to XXXX XXXX, nobody in my family has ever been to XXXX XXXX and I dont do my banking on a convenience store ATM and Im dismayed that Im having so much trouble with what is obviously fraud. I have filed a police report in my hometown of XXXX, CA and they informed me that this matter would likely be turned over to the XXXX XXXX police 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 monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: WV

Complaint narrative:
I had a medical imaging  bill sent to collection that i thought shouldve been taken care of by my insurance provider. Im trying to fix my credit and now to try and buy a home. I called the the collection agency to resolve this by paying it but they told me they were not authorized to take this off my credit report. I did not pay it because i was told my my loan adviser not to pay if they could not get it off my report because it wouldnt do us any good. The date off the collection was on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: GA

Complaint narrative:
I submitted a dispute with XXXX, TransUnion and XXXX  concerning a collection account they are reporting under XXXX XXXX XXXX {$570.00} ( XXXX XXXX XXXX XXXX  ) This account is not verifiable and inaccurate and should be removed. 

I have enclosed a letter by the original debtor sent through CFPB showing proof of documents they sent stating the debt amount is not valid- XXXX XXXX XXXX  was purchased by XXXX  and here is their notice sent to me. 

I would like this removed and deleted as they clearly show that the amount listed {$570.00} is not accurate and this is fraud by XXXX  and XXXX XXXX by reporting this other wise with out any documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed. 
His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well. 
Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX  XXXX  XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account. 
We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
At first I received a letter from XXXX funding about an alleged credit card debt with XXXX XXXX. I sent XXXX a debt validation letter and they never validated the debt. Then I get a letter from XXXX XXXX XXXX collecting on a debt for XXXX and also XXXX XXXX credit card. I sent XXXX XXXX XXXX a debt validation letter and all they sent me was an " home made '' account summary stating I owe XXXX XXXX and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : XXXX XXXX XXXX, XXXX XXXX and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My husband and I filed bankruptcy on XX/XX/XXXX and all of our debts were discharged. Citibank is reporting that my account is late every month to the credit bureaus and is ruining my credit score. They started doing this in XXXX of XXXX and have been reporting it late every month yet my balance is showing that {$0.00} is owed. This debt was discharged along with the others. I called them but they couldn't even find the account and said it was probably sold to a collection agency yet I haven't got a single phone call or letter from any collection agency. I would love to get this removed from my credit report because it is making me pay more in finance charges by lowering my credit scorXXXX. Any help you could give me would be appreciated! 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 2019-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am requesting that complaint XXXX be reopened. 

Firstmark lied in their response. They refunded the payment retroactive to XXXX then removed it in XXXX from my account and have consistently lied about when to expect my refund. I am attaching the emails I received from them as well as a screen shot of my account. 

I spoke with them today and they said I will receive a check sometime in XXXX. They refused to issue it with a tracking number. 

As they lied in their response to the CFPB I am requesting an investigation into fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX my chase Bank account was debited {$27.00} for a charge that I sent back the merchandise to the merchant on : Your item was delivered to an individual at the address at XXXX pm on XX/XX/2018 in XXXX, GA XXXX. Tracking Number : XXXX. So, I sent back the XXXX to the XXXX XXXX. Now I am charged {$27.00} for the merchandise. My Bank Chase refuses to dispute the case further. So, I have to take the loss of {$27.00}!

Company response to consumer: Closed with explanation