vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The phone bill was put into my name through a change of liability. I cancelled service & had to pay a cancellation fee. In order to be considered for a job at a financial institution all of my debts had to be paid. I paid the cancellation fee with XXXX in XXXX & had it removed from my credit report. Recently in XXXX of XXXX the derogatory remark popped back up on my credit report from a new debt collection company attempting to collect on XXXX behalf.

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 2020-04-08 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: TX

Complaint narrative:
My wife and I are trying to close on a house we had built. Our loan agency began requesting all 3 credit reporting bureaus remove all disputes, starting in XXXX. These disputes were done a year ago, so well over the 30 day window. We have requested, including in writing and signed that these disputes be removed. This was done well before the pandemic hit this country. Today we still haven't heard from Transunion and the disputes haven't been removed. They are not reachable by any means. My wife and I are both nurses, and need in our new home as our lease has expired. I don't know who else to turn to for help, but this is outrageous.

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been trying to get help with both my Citi Card accounts. Our income has been affected by the COVID-19 virus, all I am getting is the run around. Hours spent trying to get help. I have 2 Citi cards accounts ending in 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 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My Account was frozen due to a fraudulent claim submitted by my husband.

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 2020-04-08 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-08 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: TX

Complaint narrative:
Transunion is re-aging and reporting incorrect data on my credit report.According to my credit report dated XX/XX/XXXX, collection account XXXX XXXX XXXX reporting an open date of XXXX XXXX. As of XX/XX/XXXX, the open date is now reporting XX/XX/XXXX. I have attached copies of my identity and information requested that the debt is actually mine for your review. Thank you for your time and assistance

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 2020-04-08 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: GA

Complaint narrative:
Transunion shows me as deceased with no fact checking causing all my credit accounts to be closed with no notice during a global pandemic.

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 2020-04-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX should not be reporting to Equifax and XXXXXXXX a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX see attatched statement of UNRESOLVED FRAUD. On XX/XX/XXXX {$200.00} & {$280.00} XXXX credited for past fraud. On XX/XX/XXXX {$200.00} & {$280.00} TRANSACTIONS BECAME NEW PURCHASES TO TOTAL {$2.00}, XXXX. Note Adjustment Purchases. When was USAA XXXX XXXX XXXX CREDITS XXXX {$200.00} {$280.00} made PERMANET? Why was I not Notified the RESULTS OF INVESTIGATION THAT RESULTED IN A TEMPORARY CREDIT ADJUSTMENT PURCHASE. ON XXXX AFTER ALREADY PAID BY MERCHANT? **** ( Why is USAA ALLOWED TO * TURN A TEMPORAY CREDIT INTO * PERMANET NEW PURCHASE * JUST AFTER MERCHANT CREDITS POSTED.?? ) *** USAA PROVIDE WRITTEN DOCUMENTATION OF THE OTHER CREDITS TOTAL {$2.00}, XXXX BEING MADE XXXXERMANET TO REVESE THE MERCHANTS CREDITS over {$1.00}, XXXX? These are. NOT NEW PURCHASES AS USAA SAYS XX/XX/XXXX TOTAL CREDITS for this period {$910.00}. Where are and what happened to the rest of the fraud credits? I recieved NO NOTICE. WHEN DID ALL TEMPORARY CREDITS ( Adjustment Purchases ) the ones with cute little minus sign THAT ARE ** NOT INCLUDED IN THE TOTAL CREDITS DISPLAYED UNDERNEATH ONLY {$910.00}. ON TOTALED LINE UNDER {$2.00}, XXXX OTHER CREDITS. WHEN DID THEY ALL BECOME PERMANET? THOSE THAT DID NOT WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX should not be reporting to XXXX and Experian a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.

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 2020-04-08 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: CO

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  has removed this line item from my credit report. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PR

Complaint narrative:
Good morning. As it is known worldwide, there is a COVID-19 Pandemic going on. I requested forbearance for my student loans ( which should of been stayed automatically ) and to my surprise, I received an automatic debit from AES in my account where no funds are available plus I requested a forbearance via AES 's website. 

I am being charged fees for overdraft and will pursue this issue as AES/PHEE and/or any servicer that has managed this account has caused great damage, harm and other damages. 

Stop auto debit as CARES  and and Families First act requieres, pay damages and return fees. Plus their is another complaint regarding illegal fees charged which is not closed and am awaiting for CFPB to inform about appeals and legal process and or guidance as how to proceed. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: CO

Complaint narrative:
Transunion should not be reporting the collection/chargeoff in the amount of {$5600.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and be closed. It is being reported twice and this is a violation of the Fair Credit Reporting Act. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be updated to report {$0.00} balance or removed. I have contacted the bureau to remove this however, I have not been successful.

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 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
Due to Covid 19, I've experienced a slight financial hardship. I have asked my car company, American Credit Acceptance to extend/defer XXXX payment, the XX/XX/XXXX payment. I have been told no by various reps from that company. XXXX made XXXX calls ) I have been threatened with repossession if I don't pay and also have been told they will call me every XXXX days until the payment is made. The payment amount is {$1000.00} due XX/XX/XXXX. I have been calling for assistance since XX/XX/XXXX when I realized my husband 's job was affected by Covid 19. I am a great customer. I financed the vehicle XX/XX/XXXX, and have made XXXX timely payments with this company and now I find myself along with other Americans in a financial crunch. They are not willing to help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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:
Account is passed the 7 year mark. Last payment was made in XX/XX/2013. I have proof of this. Please remove this account as it is 7 years since last payment. 
XXXX Account status XXXX XXXX opened XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called into the wells fargo branch in XXXX, new jersey and asked about the {$300.00} business checking promo they have going on. His name is XXXX XXXX. We set up a time XXXX XX/XX/21 XXXX XXXX to set up my account in person. He created the account but never added the bonus. They're refusing to honor it. Even worse, they refuse to close the account for me unless i come into the branch. It took me an hour to open in person last time and i don't wan to go in there with the coronavirus getting worse and worse. Please help me get the XXXX checking bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a XXXX in the amount of {$100000.00} from PayPal on Thursday XX/XX/XXXX that is a fraud account that someone used my name to open The Theft was by someone opening a PayPal account in my name in or around XX/XX/XXXX and I found out about it when I received a XXXX from PayPal with the amount that showed {$100000.00} had been alleged paid to me over a 2 month span in XXXX and XXXX of XXXX, I promptly called PayPal and turned it in as fraud! On Thursday XX/XX/XXXX. 
I also called PayPal on or about XXXX and filled out a FTC XXXX report on XX/XX/XXXX and sent a letter to PayPal with no response and called again on or about XX/XX/XXXX with them saying they couldnt find the account number, the company has not responded to me to date .I have filled out a police report on XX/XX/XXXX with my local police and my CPA says it needs reported by PayPal XXXX the FBI XXXX just need a corrected XXXX sent to me and the IRS XXXX XXXX filled in XXXX am a XXXX XXXX XXXX retired on RR XXXX and this can bankrupt me, they used my SS number apparently allowed by PayPal to XXXX this account with no credit check .please be aware of PayPals lack of security!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: DISCOVER BANK
State: GA

Complaint narrative:
Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX  Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MN

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
Account XXXX is over the 7 year mark for reporting, as a consumer i have the right to dispute information passed the 7 year reporting mark. This debt is a zombie debt and the credit bureaus keep trying to sneak more months onto the term. I have proof in emails where my FINAL payment was made and the final payment was over 7 years ago. So please remove this old zombie debt.

Company response to consumer: Closed with explanation