vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Reporting Company : TransUnion Issue Credit score drop of 36 points as of XX/XX/XXXX Reviewed TransUnion Credit Report, purchased credit score. 

Contacted TransUnion by phone, they were not able to explain why my credit score dropped 36 points. There has been absolutely NO change in any of my accounts. 
Tried to reach a supervisor, was disconnected. They said a Supervisor would call me back. No call back. I called again, this time person would not connect me to a supervisor. Their attempt to answer why my score dropped does not make sense. 

They tried to day it was because some of the companies have not reported. I have no control over when a company like my mortgage service company reports. 
I explained over and over that there has been NO change to my payment history, amount of outstanding debt, or anything that would affect a 36 point drop in my credit score. 
There has been XXXX change in my Mortgage Servicer. XXXX sold their contract to XXXX XXXX   XXXX. So beginning XX/XX/XXXX my I will be making my mortgage payment to them. That change should not affect my credit score. The service reps at TransUnion have no idea what they are talking about and refused to connect me with a Supervisor.

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 2019-04-16 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: CA

Complaint narrative:
I had been victim of ID theft, and therefor many accounts were opened under my name with out my knowledge, and my credit was XXXX beyond my imagination that such thing can really happen. 
i have tried to call the creditors and also the bureaus all three of them but XXXX and XXXX were a little helpful except equifax who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX XXXX   and equifax. please have these fraud accounts removed from my credit file thank you and XXXX bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion and XXXX will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I was recently contacted by Citizen Bank about a student loan from XXXX. I became severely ill and was unable to continue with my secondary education at which time I had to file bankruptcy XX/XX/XXXX. The company was notified of the bankruptcy, chose to not dispute the bankruptcy filing which was discharge dated XX/XX/XXXX. The company XXXX called me on there behalf today and stated I have a outstanding debt. 

I informed the company in regard to the filing and discharge. I was informed this is a student loan and not dischargeable. I informed the company it was a private student loan and they had opportunity to dispute filing in XXXX but now they want to try and bill me while being on out on Social Security Disability. 

I asked them to not contact me anymore and to review the filings submitted to them the rep was very rude and would not listen to me in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: CA

Complaint narrative:
I had been victim of ID theft, and therefor two XXXX XXXX XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was screwed beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus experian who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing experian XXXX and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless 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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no idea how a membership for transunion credit monitoring was started as I had never even been on their website. I noticed the charge today on my bank statement and went to their site and they had a login that I didn't make and there I could see that I have been charged for this service I didn't know I had since XX/XX/2018. It shows 5 charges each for XXXX. I was able to cancel the membership online and then called them to reverse the charges as I still do not know how or where that account was created, and they couldn't provide that information when asked, they did reverse the most recent charge but said the other 4 could not be reversed.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
THEY ARE REMOVING LATE PAYMENTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: MI

Complaint narrative:
I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
And the identical account is being reported 3- times misleading anyone who would receive my credit report I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: MI

Complaint narrative:
I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

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 2019-04-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

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 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Service added a collection debt back onto my credit on XX/XX/2019 after it was removed without proper notification which is illegal. The amount was XXXX that was added without notifying me of that a collection would be added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/19 I noticed two fraudulent charges on my Barclays credit card. On the same day I called to let them know. After speaking with the representative, who researched the matter and told me it appeared to be fraud, I was told the charges totaling {$190.00} ( {$100.00} & {$99.00} ) would be reversed from my account. Additionally, they issued me a new card. I kept reviewing the account activity on my phone to see if or when the charges would be reversed. On XX/XX/19 I wrote to them in order to protect my rights and put in writing and memorialize the events. As of this writing, I do not see the two fraudulent charges reversed.

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IA

Complaint narrative:
XXXX XXXX XXXX is taking me to small claims court, declaring they are acting on behalf of Crown Asset Management to collect on a debt sold to them by XXXX XXXX in XX/XX/XXXX. This was XXXX account by XXXX XXXX. On XX/XX/XXXX, I was served with papers to appear in Small Claims Court for this debt. They falsely stated on the filing, THAT I WAS NOT DISABLED, which is not correct, as I have been on disability since XX/XX/XXXX. If they were truly representing Crown Asset Management, they would know this because I talked to them in XX/XX/XXXX when I cashed out my Pension and gave all my creditors something. You will see a reference to this account in prior CFPB Case XXXX, where I had paid XXXX XXXX {$750.00} on acct sold to Crown, but they did not want to credit my money. That was my entire pension. I only get XXXX   and I have a ten year old car with a check engine light on it. I am supposed to go to a hearing in court on XX/XX/XXXX in small claims court. I guess my only recourse is to try to file for an Exemption for my XXXX and Car. This is extremely frightening to me as I gave my creditors my entire pension in XX/XX/XXXX and have nothing left. Why do they have to harass me further?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
THEY ARE REPORTING LATE PAYMENTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I was contacted by this company about a private student loan by XXXX XXXX. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.

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 2019-04-16 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: MI

Complaint narrative:
I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX  XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
Also, the identical XXXX XXXX XXXX account is being reported 3 times. This is severely misleading I make 1 payment each month I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.

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 2019-04-16 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: CA

Complaint narrative:
I had been victim of ID theft, and therefor two XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was XXXX  beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus TRANSUNION who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX  transunion and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless 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 2019-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I was contacted by this company about a private student loan by Citizen Bank. I expressed to the rep this loan is since XXXX, was discharged in bankruptcy. The rep was rude try to explain private student loans are not dischargeable I explained to her it was they had opportunity to dispute debt. 

She told me to talk to my attorney and he would explain it is not dischargeable. I explained to her private loans were dischargeable in XXXX when I filed and they had till XX/XX/XXXX to dispute. 

I told her I would be filing a complaint she was rude, dismissive and attempted to get my cell and mailing address. Did not request copies of filing or the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX I purchased furniture using an XXXX XXXX Credit Card. There was a promotional 24 months same as cash offering. I set up my bank account to pay on the first of every month. In XXXX of XXXX I was traveling and did not open my statement. The bank paid the {$150.00} as usual on XX/XX/XXXX. The credit card company received it on XX/XX/XXXX. On XX/XX/XXXX at XXXX I got a robocall to call Synchrony bank. I called immediately. I was told I had " underpaid my account ''. When I stated I had paid it the same as every month I was told " your promotion ended ''. I was really surprised and told them I was sorry and paid the balance immediately. They then told me they had added {$3500.00} to my total, meaning the interest rate was now 48 %! When I got to customer service they told me that IF I had called 24 hours earlier I would have been in the grace period and not had to pay the interest. So..they knew for 12 days that I had underpaid my account and WAITED until it was too late for me to pay my balance to call and tell me I owed more money for that month. This is unbelievable. I spoke to 6 people and they agreed that they could have called, but the waited. This in horrible business practice. It was not like I waited 6 months. I paid it 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 monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances. 

The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency. 

They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, LoanCare Servicing Center Posted to XXXX  Adverse and Derogatory Information regarding my Mortgage Account XXXX. 

Specifically, it is noted that the account experienced a Maximum Delinquency of 60 Days or greater. 

This is false and incorrect reporting! 

Note : The inception date of this Mortgage Account was on or about XX/XX/XXXX and closed/sold/transferred on XX/XX/XXXX. 

Accordingly, I only had five ( 5 ) Mortgage Payments due to LoanCare Servicing Center over that period of time noted. ALL Mortgage Payments were made and posted On TIME! 

Please reference attached Mortgage Statements which indicate clearly ALL Payments were made and posted to my account as stated herein.

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 2019-04-16 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: MI

Complaint narrative:
My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance

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