vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! 

Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. 

That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. 

Please respond ASAP as I am unable to reach you via phone. 

I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. 

Thank you. 



Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi - In  XXXX     2016 I o pened a credit card with  Citizens  Bank and I was under the impression that I had enrolled in auto pay. From  XXXX   2016 thr ough  XXXX     2016 I ma de additional payments which I thought cancelled out the auto payment - so I did not verify that  Citizens  Bank had successfully enrolled my account in auto payment. To my surprise I started receiving collection calls in  XX/XX/XXXX  from  Citizens  bank asking for a payment to bring my account current. I made a payment on  XX/XX/2016    so it surprised me that Citizens had sent me to collections to obtain a {$41.00} dollar payment for the  XX/XX/XXXX / XX/XX/XXXX  statement cycle even though I made a {$1200.00} payment.     On  XX/XX/2016    I noticed that I had received late fees o n  XX/XX/XXXX  &  XX/XX/XXXX  so  I called the  XXXX  number on the back of the credit card. They admitted responsibility for the error and waived  XXXX  fees. I inquired about the impact to my credit and after being transferred about  three  times I was connected to a representative in the credit reporting department and he assured me that there would not be a negative impact to my credit.     In  XX/XX/XXXX  I checked my  XX/XX/XXXX score and to my surprise my  credit score  had dropped from a  XXXX  to a  XXXX  fro m  XX/XX/XXXX  to  XX/XX/XXXX  du e to  Citizens  Bank claiming my account was past due. Over my whole credit history this has been the only late payment reported to the  XXXX  bureaus. This missed payment was not as a result of any financial hardships as I was making payments at the same time to other credit cards and loans - This clearly was an error on  Citizens  Bank and I am paying the price. This has resulted in my credit limits being effected on all my credit cards along with having the potential to hurt my future prospects of obtaining credit.     Over the last month I have carried on a extended conversation with the " office of the chairman department '' at  Citizens  bank. Unfortunately I received a letter that left me very dissatisfied - They pushed the blame on me and refused to reverse the adverse credit impact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-07 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: NJ

Complaint narrative:
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge  off ( EXHIBIT A ).  Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full   balance ( Exhibit B ) which is wrong after getting my result of my complaint from CFPB.
The Creditor Agencies punishing consumer who exe  rcise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Barclays bank has made excessive hard inquiries on my report which has had significant negative impact on my credit scores. I have repeatedly mentioned this to Barclay to no effect.On the Barclay site when you request a credit increase there is no indicator that a hard inquiry will be made at the time. I have attached a screen print of the hard inquiries showing on my credit report at   XXXX   XXXX   as of   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX   XXXX   XXXX  accounts dated for  XXXX , amounts are {$650.00} & {$450.00}.   -According to a statement dated for  XXXX , mentions that the the original creditor is :  XXXX   XXXX , current creditor is :  Jefferson Capital Systems LLC  and the company who mailed statement is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    -Disputed both debts with  XXXX  on several occasions due to a storm in Alabama that caused overages on cellular devices under both accounts ; also due to power outages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07 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:
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.      The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.    In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of   XXXX   XXXX   and I sent a letter to both  XXXX   XXXX   XXXX   XXXX  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balance  XXXX  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.    The Creditor Agencies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem w hich over  XXXX  years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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:
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). O ver 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balanc e (  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.   The  Creditor Ag encies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Number  XXXX , was closed  XXXX   XXXX ,  2017 without contacting me. It needs to be re-opened fo r further research by  XXXX   XXXX   XXXX , there was a death in my family, & I did not have the time to respond. I 'd like the CFPB &  XXXX   XXXX     XXXX   XXXX   to investigate unlawful business practices at WFDS.  XXXX   XXXX  needs to be provided with correct information to conclude his research, which in part is provided belo w. Today   XXXX   XXXX  is the first time I am reading the agreement, that was forged with my signiture electronically.. The information  XXXX   XXXX  provided me with in his letter is false e. WFDS ha d my addres & the ability to contact me. They state they were unable to contact me, yet they were illegally able to track me down, and take my car  XXXX   XXXX ,  2017  on a Friday purposely because they are closed for the weekend. I 'd also like for the  FBI, SEC  and other agencys in   XXXX  Florida/NY  to investigate the mass ive cyber  breaches that have accurred at every singl le Wells Fargo Branch from NY to FL, that caused  me signifigant harm.. Please see attached documents.

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 2017-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank closed  my Walmart Store Cred it Card without notice or warning a few days ago. I have n't used the card lately. I 've never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
i do not have  any dates except for 2017, and they say it was issued in 2017, and I do have any credit cards. I only have a de bit card by   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
i have been paying this company  XXXX   XXXX   XXXX  for the past few years. I have n't received any updated bills or receipts regarding this medical bill. I would like bills regarding this issue so that  I may match it with my records to ensure I am paying the correct bills an d the correct amount. In the past few years I have received  XXXX  different bills from this company and have enclosed information showing where they have been paid monthly and the original bill dates and the amount still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
When I filed for  Chapter   XXXX  protection   in  XX/XX/XXXX , US Bank agreed to allow me to continue making my equity line of credit payment outside of the Chapter. I have made {$14000.00} in payments stretched over a 60 month period ( see proof attached ) {$110.00} bi-weekly.
When I entered into my Chapter in  XX/XX/XXXX , I owed US back {$19000.00} ( see proof attached ). I requested a pay-off of the balance owed and now I still owe {$12000.00} after payments of {$14000.00}. Us Bank sent me a letter ( see attached ) on  XX/XX/XXXX  indi  cating I have paid no interest on this loan during my bankruptcy period, so I could not write off any of th e 2nd m ortgage interest on my taxes file. So, with that said, I need to know what my true balance owed is. The numbers do not add up, There is {$7000.00} not accounted for that I have paid. I only sent the  last 24 months of proof of payments records, I can supply the remaining 3 yea rs upon request. My agreed upon monthly payment per   US Ban  k during this period was {$200.00}, I sent {$230.00} monthly. Please assist me with this issue, I ca n't afford to seek legal council at this time. But, If I have too I will. Thank you for any information you can provide me with, on where the remaining payment have gone to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I applied for a mortgage  at BB & T w/   XXXX   XXXX   , Mortgage Loan Officer N  ML S ID :  XXXX  Office :  XXXX  Mobile :  XXXX  at the  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  branch.   After explaining that the seller wanted to close asap and that  XXXX   XXXX  was the absolute last day the seller was willing to wait to close,  XXXX  and  XXXX  in the  XXXX  had no sense of urgency whatever, and did not communicate with us or our agent after we begged, pleaded, emailed, etc. No common decency or even professionalism was shown. I did everything asked in a timely fashion and they waited until well after the deadline to alert us that the loan was basically not approved. It was " conditionally approved '' after the fact but that is not what the agreement stipulated. The home is being sold "  AS  IS '' and so there can be no contingencies for repair and they knew that if they read the agreement. They all should have known that and if that was an issue from the beginning, then they should have said we do n't write as-is loans. I am a well qualified borrower with assets at my disposal, and a pillar of my community. They repeatedly dropped the ball causing this deal to fall apart and me to loose money. Exasperatingly incompetent to be in the mortgage origination business. They should be sanctioned to the highest degree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I opened cash+ signature card with US BANK  .  They have {$100.00} member welcome bonus, I got confirmed with phone team that I will have this  XXXX  bonus but need wait up  to 3 month to get it . I wait that long, ask bonus again since I did not see that. And they said I have not got the bonus on my card yet they are not going to match it. Sent screenshot, tell banker, not be able to solve the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: NJ

Complaint narrative:
I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. 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 non-monetary relief
Consumer complaint received 2017-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out 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