vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 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: UT

Complaint narrative:
Transunion and XXXX are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Transunion and XXXX  was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.

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 2018-07-13 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: TX

Complaint narrative:
Back in XX/XX/2017, I disputed information on my XXXX XXXX account. I guess since the company didn't respond Transunion deleted my account. Fast forward to this year the account with XXXX has bee paid and doesn't report to my Transunion report. 

So almost 5 years of perfect payment is completely gone. I've called Transunion and they said to tell the institution to reinsert the account. 

XXXX XXXX has tried to reinsert the account and has been contacting Transunion and they refuse to add the account. 

According to FCRA, They're supposed to report accurate information. The creditor has said they have tried and have failed because Transunion is refusing. 

This is now causing me issues because I can not take out along for XXXX, leaving me miserable on a daily basis. 

If Transunion continues to refuse to add account legal action may be taken. Thanks.

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 2018-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened this account in XX/XX/XXXX, when Citibank took over the rewards program for Best Buy. I experienced some financial distress in the 3rd quarter of XX/XX/XXXX and enrolled in a debt settlement program in which I actively negotiated debt settlement with 3 credit card companies ( but intentionally NOT this credit card - I liked the lower limits and the terms, and was easily able to pay off the card in full each month ). While in the process of implementing the program, I was advised to stop making payments to the credit cards I was trying to enroll in the program, and as such my credit took a hit. I have since resolved the situation and am working on repairing my credit. I actively paid off one of the 3 accounts I  was attempting to settle, and am current with all of my other payments. All throughout this process, I have never fallen delinquent on my payments for the Citibank card, and have paid the balance in full each month. 

I was very taken by surprise for them to decide to not renew my account this month. I was dependent upon this card as a part of my budget. Further - I was not given any advance notice of them deciding to close my account. When I went to pay my bill, I logged in and found that they sent me an electronic letter explaining that they reviewed my account and decided not to renew due to my credit score being what it was. And now, because my debt to credit ratio will be affected by them closing the account, it will further set me back with my credit repair process and will lower my credit score even more. 

I am unbelievably disappointed with Citibank, and would advise people to avoid opening accounts with 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 2018-07-13 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: DISCOVER BANK
State: IN

Complaint narrative:
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against Discover Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my XXXX credit report, and perhaps XXXX/XXXX and/or XXXX  and/or other credit reporting agencies. In short, XXXX XXXX has already done the right and legal thing by deleting these age-old accounts, and Discover and XXXX XXXX need to do so as well and immediately ... as does XXXX and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now Discover, XXXX, and, most important, XXXX, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with Discover or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau XXXX Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I purchased an item on XXXX that arrived DOA or dead on arrival, it was simply defective, didn't work. I filed a claim through XXXX. But, because of misinformation I was given, I closed the claim thinking I could reopen it on a later date. However, when I contacted XXXX to reinstate my claim, I was informed that the " system '' would not allow it as I had been led to believe by one of their representatives. XXXX apologized and told me that I was still able to proceed with a claim through my bank. As instructed, on XX/XX/2018 I filed a claim ( Num. XXXX ) regarding the mentioned transaction with my bank. However, I found out today that in XXXX, my bank had sent me a letter informing me that my claim had been closed. The bank closed the claim founded on the fact that I had not provided proof that I returned the merchandise. Nonetheless, since the day I filed my claim, I informed the bank that, under the circumstances, and according to strict and completely clear XXXX policy, the seller was obligated to send me a prepaid shipping label if he wanted the merchandised returned. I explained to my bank that it could not interfere with my sales contract. I stressed that I had taken all the possible measures to inform the merchant of his obligation to supply the mentioned label and he chose not to fulfill said obligation. I also stressed to the bank that any interference or changes insisted upon concerning the terms and conditions of the sale, was unlawful. Specifically, I explained to the bank that they are a third party to my transaction and that obligating me to cover the cost of the return shipping and therefore, relieving the seller of his responsibility, constitutes an infringement of the contract which the seller and I voluntarily entered with regards to the sales terms and conditions governing transactions entered through XXXX. In sum, the bank 's pressure to force me to act contrary to my contract is an extra-limitation on their part. They are not a party in this transaction, period. The bank just served to facilitate a payment. Now, under the circumstances described, I am instructing the bank to reverse the payment. As I have said, the bank is unlawfully interfering in my transaction, insisting on adding further terms to the sales contract in order to fulfill their obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a 0 % interest offer for a 15 month period. I applied requesting several balance transfers equating to over {$10000.00}. It was denied but I was given a {$1000.00}. credit card line of credit. 

I thought that was the end of it but then received a letter from Wells Fargo stating they had initiated a {$650.00} transfer. This is not what I requested and is not helpful. The intent with the balance transfers was to reduce my payments each month, not add another. By completing a partial balance transfer it has resulted in another payment and has only reduced a balance slightly. I did not approve nor do I want this transaction. Partial balance transfers are not helpful. 

In addition they charged a {$19.00} fee to conduct the transfer. 

My attempt to resolve their error was refuted stating it is complete. 

I did not approve a partial transfer. They are unwilling to correct their error so I am seeking outside arbitration for resolution. 

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 monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX XXXX XXXX  - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. 

When they called me at work, they would not tell me who they were, so I hung up on them and XXXX  the number. 

I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was involved in a data breach via XXXX, and XXXX I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

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 2018-07-13 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: IL

Complaint narrative:
My information was involved in a data breach via Equifax, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX Transunion has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX  # XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-13 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: CA

Complaint narrative:
XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has repeatedly contacted me after my attorney has previously contacted all companies and Portfolio Recovery Associates with whom I had outstanding debts when I became XXXX in XX/XX/2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, A Bank of America Credit Card was opened under my Social, name, identity, etc. on XX/XX/2018. This was made aware to me by XXXX XXXX stating that a Bank of America Credit Card was opened. I have never had an account with Bank of America, whether checkings, savings, money market, or credit card. Please have this removed from my account and social. 

Thank you, 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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}

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 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Hi, PROFESSIONAL DEBT MEDIATION, INC on behalf of XXXX XXXX has been trying to collected an amount of money that is not owe because according to the Florida statutes 83, appliances and all the stuff they are charging me have normal wear and tear and it can not be charge to the tenants. I rent the apartment in XXXX, while this apartment was seven years  old already by XXXX. All inside the property was already in bad conditions and it is reflected on the move-in list. After moving-out in XXXX, ten years more of use plus the 7 previous years, the apartment was with 17 years of antiquity. I have proofs, like photos, the move-in/move-out report, and a letter that confirms that all the payments were always made on time. This situation happened in retaliation from the management, because they were reported for not replacing the carpet after 17 years, for not renewing our contract and for request a first floor to move in for a XXXX apartment. Since I was force to move out due to their retaliation to other place, I was unable to fight this Debt in court and I do not have the money for pay a lawyer to represent me. I already sent professional debt mediation, Inc all the proofs I have, also I reported it to the consumer report in XXXX Florida, which were unable to help me and they send me a referral for an attorney. I did my complaint with XXXX XXXX Consumer Report because this property is a low income property that is offer and sponsored for the XXXX XXXX County. All the charges are unfair and 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 explanation
Consumer complaint received 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of ID theft. My personal information was compromised several years ago. I have constantly sent information to each credit reporting agency so they can block the inaccurate information from being on my report to no avail. I've filed a FTC report, police report, affidavits and etc. The information continues to be reported inaccurately.

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North Shore Agency, LLC
State: NY

Complaint narrative:
The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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 2018-07-13 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: IN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent XXXX and Trans-union certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to  address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent 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