vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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:
Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to TransUnion certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to TransUnion asking their method of verification in " verifying '' the accounts on my report. I also sent letters to XXXX   and XXXX certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to TransUnion, XXXX, and XXXX stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to TransUnion and XXXX. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to TransUnion and number XXXX XXXX XXXX XXXX XXXX to XXXX. I also sent letters to the collectors that now hold two new collection accounts that have been placed on my report. I recognize neither, so I inquired for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
A woman named XXXX called and said she represented her client XXXX and XXXX they would sue me if I didn't pay. I said they should have never sold my debt to her office that this debt is old. She said who sold debt and threatened to report it again to the credit bureaus. I hung up because she was raising her voice to me and I told her she called and woke me up it was around 8 this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I ordered a vinyl storage shed from XXXX store in XXXX XXXX Indiana the cost was XXXX including a XXXX delivery fee. The shed was never delivered. When I called XXXX they said it was picked up from the store. The person who picked it up was not me.now I have this charge on my lowes credit account and the lowes store and the synchrony bank will not remove it. I have been fighting this since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The credit bureaus, Transunion, XXXX , & XXXX  is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, I received a promotional offer to my XXXX account, XXXX from XXXX, titled : Explore More : Score XXXX Bonus Points. In the body of the message, it states : XXXX, earn 75,000 bonus points with the Marriott Bonvoy Boundless Credit Card when you spend {$3000.00} in the first three months from account opening. 

This message was received on XX/XX/2019 at XXXX XXXX, I then clicked on apply and applied for the card after receiving this e-mail. I spent over the {$3000.00} amount, and in XX/XX/2019 I called chase to ask about my rewards points. The chase representative told me I should receive them in XXXX. By XX/XX/XXXX I still had not received my points, so I called again, and was told by chase that they would issue a request to the marketing department to see if they can switch my promotion offer. Apparently, my 75,000 bonus points offer was never applied to my account, and some other promotional offer was on my account instead. The representative said I should receive a letter in 1 week explaining the decision. 

It is now XX/XX/2019, and I have never received the letter. So I called Chase again, and was told over the phone, that chase marketing has decided to deny my request, as : too much time has passed. 

Chase has failed to correct this situation, and I could use help from the CFPB to resolve this matter and ensure it does not happen again to other people. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I paid to ship a package with USPS on XX/XX/2019. The package was requested by USPS to come back to me at the end of XXXX but it ended up being lost. USPS allowed me to file a claim but has refused to honor the insured amount of XXXX. 

I filed a dispute with wells fargo of the amount of postage I paid since USPS has not provided the service I paid for and has denied my appeal multiple times and are refusing to accept any responsibility. USPS accepted my package with no issues and knew what I was mailing as the contents were on a customs form they reviewed before I paid which they put on the outside of the package. 

Wells Fargo is refusing to help me with getting my money back for the service I paid for which was not provided.

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 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX on or about XXXX one XXXX truck was repossessed at XXXX XXXX in XXXX Maryland when payment was not due. Suntrust Bank had to return the truck promptly. I filled a complaint out and nothing happened. 
In XX/XX/XXXX Suntrust XXXX XXXX of XXXX  Maryland returned my payment saying that SunTrust had charged off the account, even though payments had been made without any due at that time. I have enclosed the Money Order that XXXX XXXX Suntrust XXXX XXXXXXXX had returned. I then called Suntrust and spoke to a CSR and she stated why had I not made all the payments with my bank card and said I stilled owed {$3200.00} and unless I make a agreement I will not get my title. That is one " mistate '' in XX/XX/XXXX and another huge mistake in XX/XX/XXXX. No excuse for this type of banking. I also have requested statement 's from them for ten years, but the prinicipal owner is in bankruptcy but I am not and I have made the 100 payments.

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 2020-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I paid my Private Student Loan XX/XX/XXXX and was informed by the collection department my paid off letters would be generated and i would receive it in the mail 30days. Never received them and called mid-end of XX/XX/XXXX and was told my letters were mailed out but i never received them. I was informed they will send out a new copy and if not received to call back and have it generated through e-mail. XX/XX/XXXX I called and they indicated no letter was ever generated and it takes 2 billing cycles for my paid off letter to come. Called again XX/XX/XXXX and they were even ruder and not very helpful with my situation. I paid off my Private Student Loans and want my paid off letter and the right answer. All I am getting is the run around. The Loan provider is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to experian for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks 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 non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
Company sent threatening email. They threatened to file a lawsuit for over XXXX dollars when I only owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
US Bank bought out my mortgage XX/XX/2019. They keep messing up my payments. I send automated payments from my bank. I also send additional money every month from my bank, as much/when I am capable, clearly marked principal only. US Bank kept applying the check marked principal only to both interest AND principal, and I had to call them every month, to get them to not do that even though the check is clearly marked. US Bank told me I needed to use THEIR automated system and not my banks, or I needed to go in person to a US Bank, to prevent this from happening. I told them that if a check is clearly marked " principal only '' I should not have to call them to fix it, use their online system, or go to their bank in person, to get them to apply it to " principal only ''. After several months of my having to call them every month to get them to properly apply funds clearly marked 'principal only ' to just my principal and not interest, a manager told me he found a way to fix the online system. Unfortunately his fix made it so that EVERY subsequent payment was applied to ONLY principal and thus my standard monthly mortgage payment was not being applied to the required interest and I was being marked as late. Thus, I had to keep calling every month to get them to note my monthly mortgage payments were in fact received ( despite being 10s of thousands of dollars ahead in payment ). I am again told my only solutions are to go to US Banks in person, or to use the US Bank online system and not my own bank. I have wasted 1-2 hours of my life, and stress, every single month since US Bank took over my loan in XX/XX/2019. I wish they did not own my loan.

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 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX assignee of Continental FinanceXXXX MasterCard c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: NJ

Complaint narrative:
I applied for home equity loan. When they run my credit they found charge off on my report from Experian. But I dont have any charge off so I tried to reach Experian but I guess that the only company in whole united state dont have any customer service. Spent over 13 hours to reach them from last 3 days. All automatic and robotic person. Never get connected with any human. After they provide the instructions they disconnect. Even though I try to open membership with them same thing happen. My question is that, they dont have right to put incorrect information in my report while other two dont have any. And why they dont have human customer service where me or people like me they put in situation can solve the problem. What are they think our or my time dont have value. That I spend 14 hours just to reach some one to fix the problem when they put wrong information in my file. And I believe its not only me thousand and thousands people have same problem with them. They should operate their business at all when they cant provide service. Appropriate authority either take action on them or shut down their service forever that way people like dont have to go thru unnecessary hassle and spend 13 hours. My humble request to authority to take necessary action please.

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 2020-01-14 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:
XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to XXXX for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX sold this account to this third party debt collector, that was paid in full and their are attempting to collect. This is third 3rd party that has attempted to collect after written correspondence is sent to verify the debt under Fair Debt Collection Practice Act 15 USC sec. 1693 seq. Without Prejudice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: DC

Complaint narrative:
Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported sinceXX/XX/2014 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2020-01-14 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19

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 2020-01-14 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation