vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 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: OH

Complaint narrative:
I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now

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 2020-01-01 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: OH

Complaint narrative:
I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed the late payments on my credit report and they still have not removed 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 2020-01-01 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: NJ

Complaint narrative:
I disputed the late payments on my credit report and they still have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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 disputed the late payments on my credit report and they still have not removed 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 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I called PNC to close my account and someones told me they would but its still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH

Complaint narrative:
Hello sir My name XXXX XXXX and I have got union bank credit card .credit card number is XXXX.this credit permanentlly closed month of XX/XX/2019 and pay full credit limit balance but this card payment due to continued till dated and 12 missed out payment show my credit score and my credit score impact due to this union bank credit card plz checked and correct information provide to credit card beuro report

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 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
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 zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
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 zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC
State: IL

Complaint narrative:
There was a medical bill that was covered by Department of Human Services under my insurance, I've contacted the  hospital and the insurance company who agreed that the medical bill was covered. 

If the hospital failed to submit the bill to the insurance company last year, that's not my fault. 

Below is the insurance I had at the time and currently have now. 

XXXX XXXX Member number : XXXX Id number : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2019 I applied for a Secure Credit Card, application # XXXX for {$300.00}. The amount was to be debited to my checking account and credit the credit card account. I applied for this secure card using my own money in the checking account to be able to build my credit. But the application was denied. I visited the banking center where I applied for the credit card from and was told the card was denied. I received a letter several days later and I again visited the bank and I was told the bank does not issue secure card any more effective from XX/XX/2019. I explained, I applied for the card on XX/XX/2019 so it does not affect my application and no solution was offered during my visit.

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 2020-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

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 zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to the emergency room in an ambulance under duress. I was released on XX/XX/XXXX. I started to receive bills from XXXX XXXX/XXXX XXXX XXXX totaling {$2900.00}. I did not believe I was responsible for these bills so I did not pay them. I called my insurance company and was assured I had a XXXX   patient responsibility for these Items. There were three separate charges as follows : XX/XX/XXXX- {$1400.00}, XX/XX/XXXX- {$740.00}, and XX/XX/XXXX- {$760.00}. I reached out to the XXXX XXXX after finding out I was placed in collections. I was told that my insurance company had denied the claims and they would not remove me from collections. After another call to my insurance company it was determined that XXXX XXXX had billed the wrong portion of my insurance and I again was assured I had XXXX patient responsibility. This was approximately XX/XX/XXXX. Now I called both the collection company Online Information Services and XXXX XXXX about this matter and both refused to remove me from collections while we sort this out. After placing numerous phone calls to all parties involved in the matter I was informed by my insurance company that a claims specialist had gotten to the bottom of this and it was sorted out. Now I'm still seeing this reported on my credit, and I called Online Information Services yet again and the last answer I got was that they're showing three accounts closed, but I still have three accounts open showing I owe them a debt. I explained to them that there were always only three accounts and this is impossible but now at this point they refuse to remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: OH

Complaint narrative:
Equifax had a breach. I have included credit report as well as XXXX and both are telling companies I opened cards when I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

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 to the extremely high credit figure you might have displayed on my account. My demand to present these 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 believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
I need your help in having Judgement removed from my record. This is an old debt and collectors are still trying to collect. XXXX XXXX  XXXX sent me a letter ( dated XX/XX/XXXX ) stating that XXXX, XXXX recently recalled account from their officeand to their understanding account was placed with RAS LaVrar. 

A compliant was filed by me ( XX/XX/XXXXXXXX-XXXX ) against RAS LaVrar for what I now believe to be fraudulent. The reason I say this because in looking over all my records I found inconsistence with RAS claim. For example, I was told that XXXX wanted nothing to do with this account. If XXXX did give this account to RAS LaVrar, why was I threaten that I was going to be taken to court and property would be taken from me -- I had already been to court ( XX/XX/XXXX ). Also, RAS LaVrar said that I owed more ( {$18000.00} ) which I never owedplus I made payments for over a year. 

Record confirms that on XX/XX/XXXX, that account was referred to the law office of XXXX XXXX for collection. Account was charged off as bad debt on XX/XX/XXXX, by XXXX ( for a while debt was at all credit bureaus. On XX/XX/XXXX, XXXX XXXX filed a Motion for Judgement against me ( which I think it was in retaliation against me. How can that be if account was charged off as bad debt and I was taken to court after the fact? I will send letter dated XX/XX/XXXX, confirming debt charge off date from XXXX. Also, I will send letters from XXXX XXXX  XXXX and RAS LaVrar. 

XX/XX/XXXX, I reached out to both XXXX XXXX  XXXX and RAS LaVrar to get conformation stating that XXXX had given account to RAS LaVrar, but without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX  had a breach. I have included credit report as well as Transunion and both are telling companies I opened cards when I did not

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 2020-01-01 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: OH

Complaint narrative:
XXXX  had a breach. I have included credit report as well as XXXX  and both are telling companies I opened cards when I did not

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 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX TCF bank authorized XXXX XXXX to recieve a {$110.00}. payment from my checking account. I contacted the back the same day I explained to the bank that I did not authorize this transaction. I requested an investigation to be made into this purchase and I acclaimed that it was fraud. I also contacted XXXX XXXX and requested that my funds be returned to my account. For the next 4 months TCF bank harrassed me lied and continued to take money out of my account causing mental and financial distress. I have been a customer with this bank for over 12 years i have never overdrawn my account. i called this bank numerous times and spoke to numerous reps explaining that the refund had been issued i was even told that the situation was resolved. I went to a local store to purchase a cup of coffee my transaction was declined. I was so frustrated and embarrassed i couldnt understand what was going on. I then got a letter saying that after the investigation they resolved it was my fault and it was something i had to take up with the company. Now 4 months later XX/XX/XXXX the bank goes into my account when i had exactly the amount to cover my transactions the bank tries again to recover {$110.00} from my account again sending me into the negative and switching the dates on the statement to seem as if their transaction was before my transactions that i had funds for and charged me 3xs {$35.00} over draft fees TCF and started sending me letters for their money. How is it that a bank can look at an account and maliciously attempt to aggresively collect revenue from a false claim? The bank gave zero effort into the investigation they claimed that was done because i contacted the company and used it as an attempt to collect money from me a poor single mother of XXXX a loyal customer who actually had the funds to pay for my purchase.???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I began the process of applying for a loan modification in XX/XX/XXXX due to having a temporary hardship. I submitted all documents but Mr. Cooper/Nationstar Mortgage continued to ask for one last document over and over. I received a letter showing that I was finally approved for a trial loan modification on XX/XX/XXXX. I sent an email on XX/XX/XXXX accepting the trial loan modification. I made the first two trial payments online and on time. When I logged into my online account on XX/XX/XXXX to make my third and final trial loan payment of {$1000.00} for Loan # XXXX, I was unable to submit a payment online and found a letter dated XX/XX/XXXX stating the following : Denial Reason : Failure to Return Trial Agreement You were previously oered a Trial Period Plan. The terms of the plan required that you return the executed trial plan agreement within the time allowed. Unfortunately, we must withdraw the Trial Period Plan oered because you did not return the agreement timely. 

The Denial Reason listed is untrue. I'm at a loss because I have been trying to get some help since XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
In XX/XX/2019 my credit card was stolen and subsequently used without my permission or knowledge to purchase products and or services. As soon as I beacame aware I contacted the issuer of the card and let them know what happened. At the time of this fraud occurring my balance on the card was {$65.00} dollars. It has been 4 months and many phone calls, letters, etc., and I still have no resolution in this matter. Not only is there no resolution in sight, my new balance is {$450.00} dollars ( including disputed charges ). Mind you I have been paying my bill every month, have not made any purchases, and I owe more than I did the previous months. 
I have offered every opportunity to Fortiva Credit Card to make this right and they have pretty much ignored me.Not only is my balance the highest its been forcing interest to accrue, not to mention fees which are completely bogus and uncalled for. They insist they are investigating the matter to which I have to ask : " It takes 4 months to investigate this? '' I have provided all the paperwork necessary as per their request, and furthermore I was at work during the times the theft occurred. 
The charges were made in cities I have never been to and in some cases I have never heard of. In the meantime while they " investigate '' the case, I am suffering with a lower credit score directly triggered by their ineptness. If this is not resolved with your help, I will be left with no choice but to hire my attorney to delve into this matter and possible legal action. I have worked way too hard in the past year elevating my credit score by XXXX points to let it decline due to their negligence. 
I am enclosing paperwork with the disputed charges, timeline, etc., which I have provided to Fortiva Bank as well. 
I appreciate your time and I am hoping for a quick resolution to this matter. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation