vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: FL

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Transunion has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my 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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have already filed disputes with the reporting agencies several times that the amount owed is less than {$200.00} of the {$400.00} credit limit. LVNV Funding keeps billing me {$770.00}. in the last dispute, I requested a copy of the charges/ debt verification, but only received a letter from XXXX that the charges were " valid ''. 

In XX/XX/2015, I responded to a court summons from LVNV, but never received a hearing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from ERC. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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:
After reviewing my consumer credit report I noticed several unauthorized accounts.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
We are in the process of applying for a home mortgage. The mortgage lender pulled our credit on XX/XX/19 and TransUnion came back as frozen. I did freeze it right after the XXXX  breach but unfroze it last year when moving to apply for an apartment. 

On XX/XX/19 I got on their site, clicked the unfreeze option and get an error saying there's an issue and to call. So I go thru their automated system to unfreeze and the automated system says it's not frozen. I got a representative of the line who tells me it isn't frozen but there is a technical problem with the account on their side. She said she was submitting a ticket and it'd be resolved in 24 hours. 

The mortgage broker calls again last night ( XX/XX/19 ) and says it's still coming back frozen. So again I call. And again they say it isn't frozen but they'll submit another ticket. 

So my husband calls and escalates since this issue is actually occurring with both our credit accounts. He is told there's nothing they can do. That we should tell our mortgage broker our score can be verified over the phone with a number brokers have and she'll have to do it that way. 

And that's literally as much as we can get from them. They refuse to send letters stating everything isn't frozen, they refuse to explain what about their " system issue, '' is and when it'll be resolved, and they say there's nothing they can do because it's not frozen. 

At this point, we're at a loss. We've given the info to the mortgage broker but given how many times in this process our credit will likely be pulled this is a bit ridiculous. Are we always going to have this issue? Where can we turn for a resolution?

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 2019-08-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received my credit report XX/XX/XXXX and found that someone obtained credit in my name XX/XX/XXXX and applied for numerous amounts of credit so I contacted Equifax and XXXX XXXX and XXXX about several incorrect addresses and unauthorized inquires on my credit report. The last letter sent was XX/XX/XXXX. I want the unauthorized inquires deleted and fraudulent addresses deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My maiden name is XXXX. i was married in XX/XX/XXXX. I moved to my husbands home in XXXX and opened another account here. My account was never locked until i attempted transfer my money into my new account. Now they wont allow me to access any of my money. They say I have to prove my identity by coming to their branch over 65 miles  away even though i have verified my id by correctly answering all their questions. They claim my account was locked since XX/XX/XXXX but i have had full access to all my funds including ATM access up until I attempted to change banks. i offered to provide my ID via email which is acceptable for most government agencies. This bank is refusing to give me {$3300.00}. I want my money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from XXXX. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.

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 2019-08-13 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:
After reviewing my consumer credit report I noticed several unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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:
After reviewing my consumer credit report I noticed several unauthorized accounts.

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 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I called this morning to ask about any overdraft fees that I could be getting. The agent said no and I thought the XXXX dollars I had in my account was good. I went to go pay a bill and looked and I got charged XXXX dollars in fees.I distinctly as the agent and she gave me wrong information that results me in getting another fee! I'm extremely exhausted at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. 

I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: WA

Complaint narrative:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX  - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

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 2019-08-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

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 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX   removed it over a period of time and years of disputes XXXX   wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted BestBuy on XX/XX/2017 to inform them that the account opened was not me. It was part of identity fraud. The amount owe is XXXX dollars Account was opened XX/XX/2017. The inform me it was going to be investigated and it was going to be removed from my 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 non-monetary relief
Consumer complaint received 2019-08-13 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019, someone, ( not me ), applied for a Citibank credit card. I contacted the company and asked them to remove the information from my credit report and their files. They stated they could not help me and advised me to file a complaint with your bureau which I did. 

They denied my complaint. They stated I did apply for the card because my old address, SSN, name, and date of birth were used. Therefore, they would not correct the information they filed about me with the credit bureau. 

I have since learned, my personal information to include name, date of birth, SSN, and physical address were among the millions compromised in the XXXX Data Security Breach announced at the FTC 's website on XX/XX/2019. When I entered my last name and last 6 digits of my SSN on the FTC 's website, they informed me my information was compromised by the XXXX breach. 

Additionally, I sold the house ( XX/XX/2019 ) used as the physical address by the credit card applicant on XX/XX/2019, and moved from that residence on XX/XX/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
Consumer complaint received 2019-08-13 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have completely paid off my balance and it still shows a full balance on my credit report reported this to XXXX XXXX and asked that this be corrected I have also called Amazon Store Card to wish they told me they fix this and have not

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 2019-08-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND 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 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am trying to negotiate for a used car loan through Bank of America. They have preapproved my loan XXXX. I requested a Truth in Lending statement from them. Their reply was that I would receive one AFTER I closed on the loan. This isn't legal, is it? If it isn't, it should be. In either case, make this a major complaint because I am not permitted to do some other financial things related to the loan that requires that I present a Truth in Lending statement. I will lose money because of this. 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 explanation
Consumer complaint received 2019-08-13 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: MD

Complaint narrative:
I have completely paid off my balance and it still shows a full balance on my credit report reported this to Trans Union and asked that this be corrected I have also called XXXX XXXX XXXX to wish they told me they fix this and have not

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 2019-08-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, TRANSUNION, AND 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 2019-08-13 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
we agreed on a payment amount and they started increasing the amount due outrageously and would not send me any documentation to justify the increased balance. which increased every week significantly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
fifth third Bank has failed to resolve any of the previous complaints in particular recently I've had to just closed out every account with them less to checking account due to the company not responding to the various complaints that have been filed fifth third Bank has refused outright to even file and accept disputing a transaction I had a transaction that was unauthorized because my card was stolen and I believe the total charge was {$22.00} and some change of gas from XXXX gas station when I called into the deceased department in the fraud department I was told that they were disputing the transaction but that is not actually what happened they did not dispute the transaction and I was prompt it to go again and follow a whole nother series an extra steps to dispute the transaction that I had already called in for this is a separate complaint in regard solely to the issue of a {$22.00} charge on my secured card that was not authorized nor did fifth third Bank accept and honor the disputed transaction so after being forced to close the account due to the continued customer service the funds were never released back to me and never honored back as a disputed transaction

Company response to consumer: Closed with explanation