vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
EVERY TIME I SUBMIT A COMPLAINT WITH THE CFPB THE ONLY RESPONSE I GET FROM THE CRA IS ... ... .. 
( Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  THIS IS NOT A PROPER RESPONSE PLEASE DO A PROPER INVESTIGATION IN DISPUTED ITEMS ON 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 2019-08-22 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the XXXX XXXX American Express card on XX/XX/XXXX and was granted the card. I paid the {$120.00} " Annual Fee '' up front. I canceled the card today and was told I might not be able to get my unused portion of the annual fee ( which in this case would be about {$83.00}, 8 months unused out of 12 months paid in advance ). I explained to the clerk I was speaking with that this is illegal, that an unused portion of the annual fee must be refunded to me. In response the first clerk said " you are breaking up, ma'am. I can not understand you. '' I was left on hold for so long that I called back and spoke to a man, who said the same thing ( " You're breaking up, I can't hear you, hello? " ). But not before he took about 10 minutes to look up for me their correct mailing address for written correspondence ( it's not online ; I've been looking for days ; it just says, " Call us! '' and a phone number ; perhaps because their company does not want any letters to be able to be sent by consumers like me, to protect my rights under the 1994 Fair Credit and Reporting Act. It is American Express, Customer Service, XXXX XXXX XXXX, XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2018 someone opened a joint solar account ( shows on my credit report as a secured home improvement loan ) with the company XXXX using my personal information. The solar loan amount was for {$80000.00}. There were late payments on the account, however I never received a 30, 60,  or 90 day late notice. I immediately contacted XXXX to request a letter of deletion, but was put on hold and finally was hung up on without speaking to a company representative. The loan is attached to a condominium I purchased, and as we all know I am not allowed, peXXXX XXXX rules, to install solar panels on my condo. I respectfully request the assistance of CFPB to have this loan dropped off my credit report as it is impacting my credit worthiness. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
All equipment was returned via XXXX on XX/XX/XXXX to XXXX XXXX XXXX and confirmation was made that equipment was received on XX/XX/XXXX and the XXXX reference #  XXXX XXXX XXXX XXXX was contacted DATE/TIME : XXXX XXXX Reference Number : XXXX in regards to this and I was told that XXXX : I was able to confirm that it was already returned. 
XXXX : On XX/XX/XXXX. 
XXXX : Please expect the refund within 1-2 billing cycles. 

DATE/TIME : XXXX XXXX and the Reference Number of the chat is : 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 2019-08-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: NC

Complaint narrative:
XXXX XXXX from the Compas Group has made repeated calls to my phone and to several of my family members in an effort to collect a debt they fraudulently charged to my name. The number she left most recently was XXXX. They have been reported in the past for harassment and were instructed to stop calling my family members in an effort to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiMortgage transferred the servicing of my loan to XXXX at some point and failed to notify me as required by regulation and law. The company has long had the means to reach me and consistently sent me emails and their attorney 's have my mailing address. 

Moreover, CitiMortgage is suing me in Florida 's XXXX XXXX XXXX XXXX, Case No. XXXX. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges they've assigned to my loan. To date CitiMortgage and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, CitiMortgage and its attorneys released my loan information to a third party without a written authorization signed by me allowing them to publish and share this information with a third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. 
In short, CitiMortgage has engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Put a fraud alert on my Transunion to be called to confirm that I applied for the product or service. I have tried several times to update the alert online starting last week and get the message that I have to call. I called today XX/XX/19 and was told that the only they could do was update the phone number. I have asked to have the fraud alert removed and they have refused. I can not update online as Transunion website says I can. I have no idea what the instructions are since they will not provide that either. when the alert was placed I thought it was to call me and confirm the 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 2019-08-22 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is my 3rd complaint regarding a Capital One account that I have repeatedly been told by Corporate Office that all the charges on my account would be investigated. I have NEVER heard back from the Corporate Office via phone like I was promised and I was never given proof of the investigation results and how they came to verify that the charges belonged to me. The Federal Trade Commission clearly states that the creditor must provide " an explanation or written proof of purchase, along with a claimed error or request for clarification. '' I was provided with none of the above. It also states that " The Investigation '' You may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount. 

The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. 

The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA.  For example, a creditor cant deny you credit just because you've disputed a bill. 

If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error. 

If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.

If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. 

None of the actions above regarding the disputed charges were done by Capital One and it's Corporate Office. I was NEVER provided any proof that these charges were mine or that the charges were in fact being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: OR

Complaint narrative:
On XX/XX/19 I applied for a consolidation loan. I was told that there was 3 steps to complete I have downloaded all required documents. The last task as they call it was to do a verification call. I have tried several times to do this last task each time I am told to complete the instructions but not told what exactly these instructions are. I have tried to work with them but they refuse to help and complete the loan request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Today I received an e-mail from Capital One Visa stating that my max credit line was decreased from {$53000.00} to {$30000.00}. The explanation for such dramatic decrease was worded this way : " Recent usage of this account for monthly spend has been too low ''. 

This is my business card and I intentionally keep high credit line to be used when I need to purchase expensive equipment or a large amount of supply. Such needs arose in the past and this prompted me to have a high limit available to provide more flexibility. 
My usual monthly utilization is about 20 % -25 % of the maximum. I have an excellent credit score and has never been late in my payments with any financial institution. 

As soon as received the e-mail, I contacted Capital One and spoke a rep and her supervisor. They expressed no interest in trying to help me reinstate my credit line max. 
" Wait for six months and then ask to increase your limit. Maybe you'll be successful, maybe not ''. 

Now I don't consider it to be even marginally acceptable. This is not how a respectful institution would treat a loyal business customer who maintained an impeccable record, and not only has an active business account, but also used personal credit cards and a sizable saving account with the lender. 

I would like the bank to reinstate the max credit line amount I had before they cut it almost in half without either notifying me or giving me an opportunity to agree or disagree with their decision. I see no reason for them to do what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hard inquiry on my credit report Amazon I did not authorize. XX/XX/19 was alerted by email. I did not authorize any credit inquiry to my 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 2019-08-22 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To whom it may concern, I have reported a charge that I made on XX/XX/2019 from XXXX XXXX XXXX as a fraud due to the fact that I did not get the service which was a on-going coaching call that I was suppose to get. My claim has been denied 4 time and I have been asking for the specific reason why it kept gettin denied but during the 4 times that they have re-opened my claim they have sent me the same documents over and over again and have not provided me the exact reason why my claim was denied. I have all the evidence and proofs that I was eligible for a refund due to not receiving the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I was not even living in MO on these dates. I was staying in XXXX for several months visiting my daughter 's. XXXX XXXX is a very common name so they obviously have the wrong one with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX : - XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX {$1600.00} - XXXX XXXXY XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$83.00} - XXXX XXXX XXXX DRS XXXX XXXX AND XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX   XXXX NA XX/XX/XXXX XXXX XXXX : - XXXX Apr XXXX {$1400.00} - XXXX Apr XXXX {$1500.00} - XXXX XX/XX/XXXX {$1500.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$1600.00} - XXXX XX/XX/XXXX {$820.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$750.00} - XXXX XX/XX/XXXX {$1000.00} - XXXX XX/XX/XXXX {$83.00} - XXXX XX/XX/XXXX {$150.00} INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS : - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$750.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} - J XXXX XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$83.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX 2019

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