vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Payday loan 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
On XX/XX/19 I received an email from XXXX, a collection agency. I asked for a telephone number to call as well as detail in the debt. I was given a name that represents 80 different online lenders. I am not certain of the validity of the debt. I was instructed that I must pay with a XXXX prepaid card. This seems suspicious to me, plus the fact they will not give me a telephone number to call and talk to a representative. When I stated this was suspicious, they sent back an email stating an arrest warrant would be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these 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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a line of credit with Paypal Credit ( Synchrony Bank ) that was closed because it became in arrears. I steadily made payments until finally paying off what was then reported as the full and final balance on XX/XX/19, {$420.00}. I then received a bill on XX/XX/19 of {$100.00} for " late charges and purchases. '' I'd previously attempted multiple times ( it's paypal so my bank account information is/was directly on the account ) to set up automatic payments ; the website always claimed " error '' and never allowed me to set them up. I paid the full amount that was being asked ( including multiple " late fees '' ), and got another bill anyway. 

I refuse to pay it. And because I refuse to pay it, the company will continue adding " late fees '' of at least {$38.00} ( as you can see from the bill I received, the late fee is closer to $ 70-100 per billing cycle ). My payments are always posted late. The account is closed. I don't see why I am obligated to continue to pay this company on a paid, closed account they are clearly no longer servicing.

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 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Sir/Madam, I mailed a TD Bank check for the workmen com insurance at the date of XX/XX/2019 the amount was {$1300.00} and they altered the amount to {$3300.00} and the payee on check has been altered from XXXX XXXX comp to XXXX XXXX. Check was written from my Business account name : XXXX XXXX XXXX. Check # XXXX Customer Number:XXXX. I immediately report to the bank. Bank told me it takes 100 working days. Now almost 8 months they can't give me any answer. and they did not want to give any credit for it. It is totally Bank fault because anybody see the photocopy of the check, overwriting is clear and Workmen com insurance number is on the check they did not white out.In my knowledge some bank worker may be involve with it otherwise how some one can cash this type of check. 
Please help me out as soon as possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MD

Complaint narrative:
XXXX XXXX ( now doing business as XXXX XXXX ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. XXXX XXXX  modified the mortgage in XX/XX/XXXX and I made all mortgage payments to XXXX, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

XXXX sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called XXXX several times and told the representatives that I made my payments to XXXX. I later learned that XXXX messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called XXXX on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, XXXX sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called XXXX on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting XXXX XXXX to make corrections, and report me as paying on-time for January 2017-April 2017, with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: IL

Complaint narrative:
I have notified that these accounts do not belong to me & are a result of fraud. Please delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Banco Popular promoted the XXXX credit card. Make one charge and receive XXXX points after one charge. On XX/XX/2019, I opened the card and promptly made one charge after activating it on XX/XX/XXXX. I did not receive the promised points. On XX/XX/XXXX I spoke to XXXX who advised me the points take 6-8 weeks to post. On XX/XX/XXXX I called again and XXXX advised me to contact the bank if the points do not post by XX/XX/XXXX. The points did not post. I do not have time to call the bank repeatedly for their continuous failure to post points.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-22 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:
Equifax states it uses XXXX as a third party vendor. My XXXX report has been on freeze for a long time and Equifax is not able to Verify a bankruptcy from them. Equifax state clearly on my reinvestigation that they verified my second request with XXXX. This is completely untrue and they must Delete the Bankruptcy. I had the same issue with XXXX and they simply deleted the Bankruptcy. I also have a letter from the court house stating that no information is ever shared with Third party Vendors. Equifax is lying that the investigation was ever done and they must delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-22 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: MD

Complaint narrative:
This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, TransUnion, and XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: MD

Complaint narrative:
This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( Experian, XXXX, and XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I closed out an XXXX XXXX account, received a credit towards my balance, resulting in a XXXX  balance. 

In XX/XX/XXXX I received a negative report on my XXXX  credit report saying I owed {$89.00}. The collection agency was XXXX XXXX XXXX. I spoke with an XXXX rep who said they had screwed up and that I still owed them money even none of my subsequent XXXX bills ( after XX/XX/XXXX ) showed any XXXX balance due. After lengthy discussion with several XXXX reps, I was told the problem would be resolved in my favor. XXXX also removed the disputed fee from my credit report. My last combined billing statement in XXXX/XXXX  XXXX from XXXX showed a XXXX balance for XXXX  XXXX charges. 

On XX/XX/XXXX, I received an alert from XXXX that a negative report had been placed on both my XXXX and XXXX credit reports for the same {$89.00} XXXX fee. This time, the collection agency was Sequium Asset Solution. I was able to once again successfully dispute this charge and get it removed from my XXXX and XXXX credit reports. However, Sequium calls me daily regarding the {$89.00} and I have now started blocking their calls thanks to caller ID. 

I need help stopping this nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collection and out keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I check my credit report and see that they are reporting the collection on my report which is damaging my credit. I asked for a validation of yet to show that I had a contract with them, also I dont owe the money I stayed in the apartment for 3 years which is normal wear and tear and I turned the key in on the day I was supposed to. I also asked the rental office to do a walkthrough with me and they refused.

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 2019-10-22 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: IL

Complaint narrative:
I have explained to Equifax that these accounts are fraudulent accounts. I have provided all requested documents but these account remain on my report. Please delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.

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 2019-10-22 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: MI

Complaint narrative:
On XX/XX/19 and XX/XX/19 charges from a place called XXXX XXXX XXXX were made to all the ( 3 ) credit cards I was carrying in my wallet while traveling in XXXX. Two of the credit card companies, XXXX XXXX and XXXX XXXX, immediately fully waived any responsibility to me for these charges, verifying that they were clearly Kiting Fraud charges. The third card was a Citibank card. I was mailed a letter from Citibank stating that they flagged activity that was similar to recent fraud trends and to contact them regarding suspicious transactions to my account. The charges were made on XX/XX/XXXX in the amounts of {$14.00}, {$62.00}, {$76.00}, {$100.00}, {$340.00} then started on XX/XX/XXXX at {$21.00}, {$290.00}, {$570.00}, {$610.00}, {$1.00}, XXXX, {$1600.00}, {$2900.00} for a total of {$7800.00} in charges I did not make. [ this pattern of sequential charges in increasing amounts was the same with the other two cards ]. When contacted, Citibank fraud representatives first stated that the charges would be removed ( as well as interest fees relating to the charges ) and that I should just continue making the minimum payment on my actual balance on the card. They did not remove the fraudulent charges and began charging interest and late payment fees as these charges exceeded my credit limit thus making my minimum payment {$5800.00}! When contacted again, they said they would open an investigation. I then received a letter stating they concluded their investigation, that there wasn't enough support to resolve the dispute in my favor, and that they were closing the investigation. I did not make these charges and I understand that in accordance with the Fair Credit Billing Act, liability on stolen credit cards is limited to {$50.00} ( though I still have the cards so my liability really should be nothing. ) Nevertheless, because of Citibank 's unwillingness to treat me fairly I have since been denied for a home equity loan and another credit card ( not part of this fiasco ) sent me a letter denying me further credit.

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