vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have checked my report every week I notice last year that Experian had 2 accounts with false information on it just happen to be from XXXX which is XXXX, XXXX, and others however my problem was I had a bankruptcy discharged in XX/XX/XXXX which by law supposed to stop all creditors from making any credit report updates all is on cease and desist. With that being said we are in XX/XX/XXXX and almost XX/XX/XXXX I am still getting these companied reporting I failed to make payment in XX/XX/XXXX. Now you tell me how that makes sense when it was discharged inXX/XX/XXXX? I have contacted these companies and the reporting agency they fixed it last year but only when they were forced to by the Attorney General, I filed a complaint with the A/G and what do you know 5 days latter it was fixed. Now a year latter they are playing the same game knocking my credit score back down again. Their nis a law passed protecting people like me called the FCRA and gives me the power to prove and sue any reporting agency from reporting in accurate information. I think I have went above and beyond to try to fix the problem and they just slapped me in the face putting it back on as false inaccurate information so at this time, I am seeking suit as it is my right to do so. I want these companies held accountable as the State law shows that I can I even tried to fix the problem and the proof speaks for it self. I am seeking damages at this time and want the company in court. NOTE : They also make it impossible to file another error to your report because they state you have already done this even if you have new information, this is a loophole they are using and is ILLEGAL. As per he Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2018-09-01 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:
I've wrote several letters to Equifax about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers requested by an unauthorized party. 

After several calls, and several request for the issue to be escalated, my account status was made active and more than five times placed back on a block status. The amounts pertaining to the disputes transactions has been placed back in the account and then withdraw more than fives times, proceeded by the total balance of the account presenting billing errors and a decrease in funds for amounts that have been claimed as unauthorized. To this date, I am being prevented rom accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has refused to provide a appropriate resolution and mitigate the losses of the billing errors cause by the several times that the statement lists the same funds being credited and debited from the account. I have been awaiting for a proper resolution and the mitigation of my losses for a period of 2 months.

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 2018-09-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has the following inquiries reporting in my file. The statue of limitations is 2 years. The inquiry must be deleted. 




XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX   Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/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 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was referred to the American Express Platinum card by my son in law, who speaks so highly of American Express. I applied for the card and was approved. I learned later on the same day that the card carries an annual fee of {$550.00}. Upon receiving my Platinum card 2 days later, I called American Express to have my card converted to an American Express Green Card ( which has a promotional offer of {$0.00} 1st year annual fee and then {$95.00} thereafter each year ). I was told that I am not eligible for any promotional offers on the Green Card since I am downgrading the account. I explained that I am new to American Express, my Platinum account was opened lass than 3 days ago, I hadn't used my account yet, and felt it was unfair. I was told the the all of my promotional offers on the Platinum account will be null and void ( which I agree with since I was downgrading to a Green Card ) ; but I was also told that all promotions on the Green Card will be unavailable. The promotion for the Green Card is : 1 : ANNUAL FEE : The American Express Green Card will have a {$0.00}  introductory annual fee for the first year of Card Membership. Also, if you add an Additional Card to your account at the time of application, you will not be charged an annual fee during the first year of the Card account for such Additional Card and any other Additional Cards up to 5 in total. After the first year, the annual fee for the Basic Card will be {$95.00} and the annual fee for the Additional Cards will be {$30.00} for up to 5 Additional Cards. If you add an Additional Card to your account following your Basic Card application, you will be charged an annual fee of {$30.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Cards is {$30.00} for each Card. 

2 : In addition, at the time of approval for my Platinum Card, there was an offer for the Green Card that allowed me to obtain XXXX Membership Reward Points if I spent {$500.00} within the first 90 days. 

I reviewed the Terms and Conditions online : XXXX : XXXX # offer-terms There is nothing in the terms and conditions which states if I downgrade my card, before using the card, I will not be allowed to take advantage of promotional offers on other products I might choose to downgrade to. I am being forced to lose all promotional offers or continue with an account that has an annual fee of {$550.00}. I should have the freedom of choice without sacrificing promotional offers advertised to the rest of the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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:
I've wrote several letters to XXXX about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.

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 2018-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.

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 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I have no idea what this debt is there has been no debt valadation letter sent no communication from these people. I had items removed from my credit report a couple of years ago from a different named debt collector but same address. Tried to call agents very rude no mini meranda was stated and threatened they would tell my employer, they could not verify a address I ever had I never even lived in the state they had of record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The credit card is through Chase Bank. I have a second card through chase bank that is now almost XXXX years old, however with the card in question chase continues to hold my payments. They say its because Im a new account which is not true. They refuse to take my current history with the other card into account, as a result they have held my last XXXX payments. I pay my bill in full every week, because I refuse to pay interest. However due to chase holding my payments not only do I not have my available credit line actually available where it should be, but these holds are now lasting 7-10 days. And let me make it clear the first card with chase bank I have did NOT have this issue, AND the checking account that I pay from has been in place and used for the last 2 years with chase. I can no longer tell what I do and dont owe to my card because their holds are are making it very vague. At some point I will miss something and be charged interest in this card, which Im feeling is the reason behind this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. Resurgent Capital Services sent me 2 letters dated XX/XX/2018. One letter states the original creditor was XXXX XXXX with a balance of {$950.00} and the second letter states the original creditor was XXXX XXXX XXXX with a balance of {$940.00}. They did not send any of the information requested such as the contract from original creditors or the requested information proving they are now the owners of the debt. 

My second attempt at contacting XXXX XXXX XXXX was on XX/XX/2018, I sent two more certified letters. Again, I requested debt validation. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, well after the 30-day time limit for disputes, but there was still no contract as I requested to validate the debt. They submitted a billing statement. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, and they did not submit the contract as I requested but a billing statement. 

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting XXXX XXXX XXXX was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. XXXX XXXX ( XXXX XXXX ) sent met the same letter dated XX/XX/2018 again, with no contract of debt validation. I have yet to hear from XXXX XXXX regarding XXXX XXXX. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America had misused of my XXXX credit file. I disputed the account several times that has been way over 30 days. The account should had been removed. 
Account Number XXXX The misused of Credit file by reporting the account on faults dates. The account date closed that changes back and forth from XX/XX/XXXX to  XX/XX/XXXX repeatedly and changing Closed account to N/A to closed repeatedly. Reporting the account too many time in a month specially during a dispute re investigation. Dispute re investigation lasted more then 30 days from XX/XX/XXXX to XX/XX/XXXX. When BOA received the documents of proof of misused of credit file. I received a letter several days ago saying the account is reporting correctly. Another words the damages and the misused of my credit file is ok.

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 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filled out the form on XXXX to get my credit report from TransUnion, as I have done in years past. Upon redirecting to the TransUnion site, I was not asked any identity questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 

Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' Seems like something is broken with TransUnion 's interface to XXXX. This makes it more difficult for people to obtain their free 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 explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: GA

Complaint narrative:
I begun correspondence with this company XX/XX/XXXX to validate and verify a debt collection account that was reporting to XXXX. I sent a letter by certified mail and requested any and all information they had on hand to validate the account. The company then sent back a document that did not necessarily suffice as evidence and proof of debt. I responded once more by certified mail and requested additional documentation to further prove that I am liable for this debt. They did not respond within 30 days of that letter, subsequently the account was removed from my credit report and it stopped reporting. Unfortunately, I recently ( XX/XX/XXXX ) went to check my credit report and found that this account is reporting once again. They are required to give me a five day notice before reinserting a previously deleted item and I didn't receive such notification. This item needs to removed 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 2018-09-01 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: NY

Complaint narrative:
Always XXXX with XXXX XXXX is rude and ignoring my investigae. Yes XXXX with this back XXXX XXXX XXXX like me. 3 years ago put negative late payment right now this same problem why. XXXX bank like put negative for XXXX hard works people like me. XXXX No call me not recive leater why. Banksters like denied credit like me becouse am 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 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided. 

My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.

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