vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I have hired an attorney to try to resolve my student loan matter and get me on a payment plan. 
I was dealing with XXXX XXXX at Professional Bureau of Collections of Maryland Incorporated. I  have repeatedly tried to submit my pay stubs and the requested documents. The collection company does not call me back and has not processed my request to get onto a payment plan. I have been trying to repay this loan since XX/XX/2018. The collection company just intercepted my tax return and continues to NOT call me back to deal with the balance of my account. Meanwhile my interest and penalties continue to accrue. Professional Bureau of Collections of Maryland is purposely NOT communicating with me so the fees and interest go up. I am unclear what I can do at this stage. I would like a balance owed and I would like to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have completely given up on XXXX  bankcard customer service. 

I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. 

So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks. When they didn't, I called them.

And, believe it or not, they said that too much time had passed ( 117 ) between the charges and today, so they couldn't be helpful. Half of the 117 days were waiting for XXXX to investigate the charges. So, I asked to speak to her Supervisor as was told they would get back to me within 48 hours. They make it so difficult and make you jump through so many hoops to file and see through unauthorized charges. 

All of the charges are from the same company : XXXX All of the charges were from XXXX, XXXX and XXXX, XXXX. 

The date of my first call to dispute these charges was XX/XX/XXXX. I have the phone receipts of when I made each call and how long each call was.

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 2019-03-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT 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 non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This company is blatantly committing fraud. They are violating the FCRA, FDCPA and FACTA laws. 

Here are the numerous laws they broke and I've sustained actual damages : 1. Re-reporting a previously deleted account on my credit report without sending me the required 5 day notification.

2. Not notifying me in writing 30 days prior to this reporting on my credit and giving me a chance to dispute or validate.

3. When I call and send request for validation, they can't validate the debt.

4. They are re-aging the date of the last payment on this account so they can report it on my credit past the 7 year statute of limitations.

5. I was threatened with a lawsuit on a debt that is past the state statute of limitations.

I'm going to keep complaining about this company until this is picked up by the Attorney General and they are held accountable for their blatant fraud and breaking numerous consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
Homebridge GA failed to pay my taxes for XXXX in XXXX Then they sold my mortgage to there sister company homebridge NJ  and never sent any of the paperwork to them. Homebridge GA told me back in XX/XX/XXXX it get paid in XX/XX/XXXX. Then i discovered they sold my mortgage. Homebridge NJ told me they'd pay my taxes in XX/XX/XXXX. They didn't i had to called them 3 more times before payments were made two of them to XXXX office. they lied to me about when and how many payments were made and it still has an outstanding balance. 

Homebridge GA  has still not sent my paperwork to Homebridge NJ and now my escrow is gone. Seems someone as Homebridge GA  is embezzling money. My escrow has vanished homebridge NJ has informed me i have to pay XXXX $ or get XXXX increase to my mortgage. I can not believe in good faith that this is a mistake. it seems to me that they are stealing money and hiding the paper trail. I have the documents for all the above. I will be filing a complaint to the IRS for tax fraud as well. I contacted NJ state bank and file a complaint there as well. XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In 2017 I sought treatment from XXXX XXXX  in XXXX Ohio. I was given a credit card with XXXX XXXX. Although I attempted to resolve issues with both the company and bank I received circular referrals that led no where. I recently completely paid the {$3000.00} even though the service was painful and unsuccessful, and to me, medically unsound considering my condition. I simply wanted to be done with it after repeated efforts to seek recompense short of a civil suit.Now the bank is charging me an additional {$1500.00} deferred interest. I am a senior, in the process of being determined XXXX. I filed with the XXXX  and am filing on XXXX  XXXX as I have seen other complaints against XXXX XXXX and have received emails from other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com Knight Adjustment Bureau has engaged in very threatful phone conversation between XX/XX/XXXX to XX/XX/XXXX. Ask them for the phone recording, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CA

Complaint narrative:
I contacted this company on XX/XX/XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX BANK XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1400.00} 3. XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference

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 2019-03-28 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 a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. XXXX IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX XXXX AND TRANSUNION MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED XXXX ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT 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 2019-03-28 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. PROCOLLECT IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX   XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED PROCOLLECT ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT 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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
I sent debt validation letters to XXXX XXXX on XX/XX/2019. I received a response on XX/XX/2019. They did not send me proper debt validation. They only sent an itemized bill which in fact is a direct violation of my HIPPA rights. It included a diagnosis and treatment. An itemized bill is not proper validation as it is not a contract between myself and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a {$2000.00} Camera on XXXX. 
The camera was never delivered although tracking showed XXXX delivered the package to my front door. 
There was no signature confirmation from me and I expected they required that for such a high ticket item. 
I reached out to XXXX & the seller. The seller just stated that his tracking showed the item was delivered so he created a dispute within XXXX. 
At that point I needed a camera so I called my credit card company to see what they could do. I told them that my tracking showed delivered through XXXX, but the item was not received. They told me not to worry about it and that they would issue a provisional credit and get it resolved. 
A month later I received a call stating that my chargeback was denied and funds were withdrawn out of my account again. They stated XXXX presented sufficient evidence that item was received. When I received the details, all ebay sent was a tracking number stating that the item was delivered. That was the reason I called Barclays in the first place. From there I kept calling and the Barclay reps kept telling me to send in letters explaining the situation to try to re-open the case. After 3 letters they just kept telling me they couldn't re-open it. They told me I needed to handle it through XXXX XXXX XXXX. When I reached out to XXXX & XXXX they stated that since I opened a chargeback, their hands were tied. Had I kept the dispute with ebay open and avoided the chargeback, XXXX would have been able to take care of me as they require signature confirmation for anything over {$700.00}. I called Barclays back to explain the situation and how this could have been avoided had the Barclays rep told me initially that my claim would be denied if I had a tracking number which shows delivered. They gave me the same answer so I had it escalated to a supervisor. Days later a supervisor from Barclays called me back and I got her and XXXX on the phone together for a resolution. No resolution was met and ultimately both parties stated that there wasn't anything they could do. I feel that Barclays & their poor policies have stolen {$2000.00} from me. XXXX & XXXX at least were very upfront with their policies from the start, instead of trying to please the customer and then later taking back their word. This is a large amount of money and I am so upset that after almost 4 months, nothing is resolved.

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 2019-03-28 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: MS

Complaint narrative:
- Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: MS

Complaint narrative:
- XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-28 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: CA

Complaint narrative:
My overall complaint is with Transunion. To begin they charge a membership fee and they do not provide up-to-date or accurate information Additionally, they do not preform the credit check rather rely on updates and changes from XXXX. For the past 2 months. I have tracked and monitored my reports very closely. Transunion is the ONLY company who does NOT keep current nor accurate information. My credit accounts are too high as I have decreased the balances to less than 27 %. The collections are paid off and Transunion does not report the current status nor delete the account once paid. 

I am very unclear the reason to have 3 credit reporting agencies when only one is actually utilized by the majority of the country. XXXX needs to update their system or change their practices. At the moment, they are failing

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 2019-03-28 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: CA

Complaint narrative:
I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
( Please review Attachment ). 

Please review correspondence addressed to XXXX as it relates to issues that occured with Citi Bank as well. Within the correspondence addressed to XXXX the issue is addressed that Citi Bank has outdated methods when contacting merchants on behalf of their customers when there is a dispute. This practice needs to be updated so that other customers do not have the same negative experience that I did. 

NOTE : My situation has been resolved as of XX/XX/19, but I thought it would be beneficial for future consumers to have such a situation documented by the CFPB.

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is a fraudulent document presented by IC Systems. I did not and would not agree to such terms.

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