vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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 initially sent a series of corresp

ondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how r
eporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

Original creditor is denying any misreporting to CRAs.

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2021 I applied for the Citi AA XXXX XXXX credit card, due to the XXXX Citi offered me. Citi approved the card on XX/XX/2021. I received the card and activated it without any problems. When I attempted to use the card today at a restaurant, Citi declined the charge. Whenever I contact Citi customer service, they're not able to fix the problem. I would like the card to work without declining any purchases in the future so I may spend at least {$3000.00} to earn the bonus Citi promised me for opening the account. I plan to make several large purchases ( over {$1000.00} each ). I would like the card to process these charges without declining 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 explanation
Consumer complaint received 2021-06-15 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: Titan Receivables, Inc.
State: UT

Complaint narrative:
Titan Receivables is reporting a debt on my credit file that needs to be removed. I have previously disputed this account and since then I have not been able to communicate with anyone at Titan Receivables. I never got a response regarding validation of the debt which should've removed it in the first place, but now I can't get in touch with anyone. I have tried calling multiple times to speak to a rep and no one can seem to help me try to get this solved. Despite me wanting to pay it to get it over with, they still can't seem to help me with that. This debt is past the statute of limitations in CA and they can't even collect on this debt anymore but beyond that they have no interest in collecting payment either! This just needs to be removed from my credit file, you continue to report invalidated debt which can be considered fraud under both federal and state laws. If this is not removed I will have no alternative but to exercise whatever rights and remedies I have under the law to enforce this removal, not excluding legal suite against Titan Receivables.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021 {$400.00} was transferred to an unknown account. I did not authorize the transfer and I do not know where it went. I filled a claim with Bank of America on XX/XX/2021, on XX/XX/2021 my claim was denied for an unknown reason. I am now trying to reopen my claim with no success.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company says they can not serve me now because I filed a complaint with your office and until the discrimination complaint is resolved they will not be able to serve me. I feel this is retaliation for filing a complaint. I should not be denied services at the branch because I am XXXX and made a complaint to your agency. I recorded XXXX XXXX at 5th 3rd bank branch in XXXX telling me due to the complaint he could not serve me. This is wrong. The bank also now refuses to provide me a copy of my mortgage note. My copy burned with my house. I will keep the recording of XXXX as it contains medical info that I do not want public. If needed I can provide in camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fraud or scam involving negotiating the correct amount of credit card balances as est. settlement amount while showing the highest amount of balance seen at one point before credits in general applied and credits for creditors errors applied as the estimated creditor balances. Concern is that my privacy was invaded enough for a third party to identify the discrepancy while the creditors include the checking and savings account company do not resolve the ongoing issues complained of on the account. As explained, such errors arose through blatant criminal activities as reported, including burglarizing the home to remove record keeping to not produce receipts to display the date that the credit should have continued to be displayed on, just not at the moment it was received and cleared, and then removed from view once the records were stolen during home invasions. There arent savings for using the service. A lower price is not negotiated. This is akin to someone like an internal manager reversing a credit after illegally robbing a house and saying the customer processed this return a month ago when the customer said that this shampoo was defective because it had XXXX in it or this bottle incorrectly stated that it was only for XXXX hair when it was constantly used in the past by all types of hair and advertising has not displayed such and such shampoo causes hyperpigmentation and curling within one wash with recommended palm size application and such was used.

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 2021-06-15 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: UT

Complaint narrative:
Experian continues to report a debt on my credit file that needs to be removed. I have contacted XXXX via letters multiple times and they continue to report XXXX XXXX. I have been disputing this account with them for some time and they have never been able to validate this debt to me, and they keep telling me to contact Experian if I believe its wrong. I have tried multiple times to get this resolved with XXXX and have gone as far as trying to pay them to get this removed from my file and it's impossible to talk to anyone there. This debt has never been validated to me, and this debt is past the statute of limitation in CA. Please remove immediately.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express upgraded my card from Gold to Platinum which gives me a spending limit of {$30000.00}. Since my credit history was perfect and I never missed a payment, I was offered credit with a higher rate. So I decided to make a purchase and use the card, I even called them before making a purchase and I was told and verified that it's okay and I can use it for my purchase. 

However, credit is denied but not given a reason why and was refused credit even though I'm qualified for it. They disabled my Platinum card and I was told that my spend limit was downgraded from {$30000.00} to {$7000.00}. Called them but they discriminated me, I was treated differently on the phone as they were having a hard time pronouncing my name. 

Afterwhich they sent me an email downgrading all my other credit cards. 
I have a {$12000.00} spend limit which they downgraded to {$4600.00} and the other card was downgraded from {$12000.00} flexible to {$15000.00} down to {$6000.00}. ( will attach the emails ) It is very unfair that all my other cards were downgraded when they were the ones who purposely upgraded my card and there is no basis for the downgrade. It was clearly credit discrimination because of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
1. Portfolio Recovery will not give me a record of my payment history with the balances. I am beginning to become suspicious about how much they have taken out and I requested a payment history with balances and instead got a letter with only the dates and the monthly amount taken out and the current balance but no balance history.

2. When I call, I am told " that is the way the letter is, '' as if they can't simply just print out a transaction history with balances.

3. I was also told, " I mean, I could SEE if there is a way we can pull up your balances. '' As if I don't know that their business depends upon keeping track of client balances. Their responses are becoming very shady.

4. I was told I would be able to access my balance history on the Portfolio Recovery website. I got off the phone and logged in to discover this was a lie.

5. I called back again and after a second offer for the representative to out me on hold while they speak with their manager, I was only offered for another of the same useless letter to be sent out.

6. I agreed to {$10.00} per month but after two months, they started taking out {$10.00} and have done so since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: American Credit Acceptance, LLC
State: UT

Complaint narrative:
American Credit Acceptance is reporting late notations on my credit file. I recently took a look at my credit file and noticed the late notations were reporting. Unfortunately, due to Covid I had a very hard time with my finances. I was severely financially impacted and did my best to make a payment when I could. I ask that American Credit Acceptance make a one time good will adjustment and remove the late notations from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting a debt on my credit file that I do not owe. I took a look at my credit recently and noticed this debt, I immediatley called and settled this debt with them. Once I had settled it I had requested this debt be removed and I was told to put in a written request which I did but I never heard back. I am aware that Bonneville can report to the bureaus as they deem necessary and I ask they remove this debt. This has been settled and paid and now ask they remove this. If not removed, I will have no alternative than to exercise whatever rights and remedies I have under the law to enforce the removal of this debt, not limited to legal proceeding against Bonneville.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I forwarded a dispute letter to Equifax regarding a credit card that I satisfactory paid off and attached a copy of the receipt with the dispute letter. I received a response in XXXX of XXXX stating that the information was verified and the account was updated with the changes. I pulled my annual credit report in XX/XX/XXXX and I noticed that not only was the XXXX XXXX account still on my credit report as a " Charge-Off '' but the balance was wrong and it did not display any corrections that I was informed of in XX/XX/XXXX. I submitted another dispute letter to Equifax on XX/XX/XXXX, requesting that they correct my report to reflect that my account was satisfactorily paid in full and remove the charge off on my report as noted on the receipt. On XX/XX/XXXX, I received a letter from Equifax stating " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ''. The credit reporting agency falsified their statement, but the incorrect information is still on my credit report. It is hurting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: WA

Complaint narrative:
I went to check my credit and noticed my scores dropped by over 100 points. There was an unknown collection on my credit report that never notified me in writing before reporting on my credit ( this is illegal under FCRA laws ). 

I sent the company a debt validation letter and a dispute letter. They " verified '' the information with the credit bureaus, but wrote back to me saying they need me to call them to get more information. 

They never validated the debt and when I called the medical facility, they said that I never had any debt to them, so they don't know why the collection agency is claiming I owe them debt and verifying it on my credit report. 

The collection agency is breaking numerous laws and refuses to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, It has come to light that this credit " Bureau '' is not in my best interest, and is in the art of illusion to sell me the " secured party creditor '' a status that is not only unconstitutional but unlawful. This " Bureau '' has obfuscated my consumer rights to do business as a consumer & as the original creditor. Further, this so called " credit organization '' is not found in 31 U.S.C. and is not Congress made. The level of fraud here is a true art of illusion for those without an eye. I DEMAND this unlawful entity completely remove & clear ALL these " credit reports '' and the amendments with my business name in order to continue to do business. TREMBLE DAMAGES WILL APPLY IF MY DEMAND IS NOT MET. 15 USC 1692c. ( c ) 15 USC 1692c. ( c ) ( 2 ) -

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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CREDIT SYSTEMS did not get my written permission to furnish the unauthorized debt account in the letter attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report this debt. CREDIT SYSTEMS continuously fail to do due process designed to validate the debt Furthermore, as proof of the violations of my rights, The Privcy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate the alleged debt. I ( the consumer ) have never validated the item listed in my attachment. 
The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
My checking account was charged XXXX $ for a transaction I did not authorize and the bank claims its listed as a preauthorized debit transaction but theres no merchant information listed for the account. This charge was clearly fraudulent. My bank account is supposed to have alerts notifying me of strange charges so I can approve or deny and I did not receive any of such notice. I am furious because my account is now negative due to pending transactions and this transaction was never listed as pending. The bank states I will have a claim submitted and they closed my debit card so all my transactions will be denied which puts my bills behind, and I may be issued a credit for the money back pending a review which will take up to 8 business days. Im a single mom with a XXXX  year old in school I can not afford to wait 8 days for a maybe decision on money I never authorized to be removed by a fraudulent company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: MD

Complaint narrative:
Asset Recovery Solutions contacted my employer XX/XX/21 to get my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to TransUnion & XXXX in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. XXXX  even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job. 
1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results. 
2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance. 
XXXX. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to 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 2021-06-15 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: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
My XXXX XXXX account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to Zwicker law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..

Company response to consumer: Closed with explanation