vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-24 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-24 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: Source Receivables Management LLC
State: MA

Complaint narrative:
This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all Capital one-XXXX, VA ( XX/XX/XXXX ) XXXX XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA ( XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-24 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:
This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP

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 2019-11-24 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: FL

Complaint narrative:
This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP

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 2019-11-24 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: FL

Complaint narrative:
This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On Saturday, XX/XX/XXXX, as I was leaving to take my daughter to XXXX, GM Financial repossessed my car. I was unaware my automated payments were discontinued, which caused a default. While the vehicle was on the tow, I spoke with two different GM Financial representatives, explaining that I did not know payments were discontinued and that I would be happy to pay the delinquency in full, as well as any out of pocket costs GM Financial incurred. GM Financial indicated they did not have a process for that and took the vehicle. GM Financial did not have a current phone number for me and did not mail me any notices to the XXXX XXXX address on file because, as they explained, I elected to receive paperless statements. I receive monthly emails from GM Financial indicating that " my statement is ready for viewing. '' I do not click on the view link. The emails over the last 90 days were the same as I have received over the last 2.5 years. I also would not notice GM Financial 's cessation of withdrawals from my checking account because the monthly payment is extremely low and not something I monitor. GM Financial did not contact GM proper for my current contact information, who has my current contact information as I service my vehicle with GM and have been in recent discussions with GM for new leases for my family this spring. I have also been in for service within the last 90 days. GM Financial also did not XXXX  my name, the 1st search result of which would have been the direct dial to my desk. I spoke with three GM Financial representatives on Saturday none of which would tell me why my automated payments were discontinued. I talked to my XXXX year mother last night because the GM Financial representative indicated they called her. My mother said she received daily calls from XXXX, according to the caller ID. My only concern is the reporting of a delinquency on my credit report. I don't care to waste time pointing fingers. According to the website, the past due balance is {$1100.00} ( 94 days ). I will not be permitted to pay until XXXX Monday. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: UT

Complaint narrative:
On XX/XX/2019 XXXX went to XXXX XXXX for XXXX XXXX. We paid the bill using our XXXX on XX/XX/2019 which combined the payment with another charge from XXXX XXXX that occurred on that same day. Attached is proof that XXXX XXXX cashed the check. In XXXX we received a statement from NPAS stating we still had the full amount unpaid. We called them and said it was paid and sent them the attachment showing the check was cashed by XXXX XXXX. They then said it would go back to a special department that handles these situations. We called that special department and they said the payment was used in the wrong account and they would refund the check and then we could resubmit. We never got a check from them. We called them and they said they would escalate and see what went wrong and give us a call. They never called. We called them after a few weeks and they said they would try again and that it would take 30 days. After thirty days we called them back and they gave us a run around and basically nothing had happened and they needed another 30 days. After another 30 days we called and nothing had happened and they were going to escalate, call us back, yet they did nothing. We now have received another bill from NPAS sating we have to pay the entire amount in full. They took our money and didn't apply it to our account. They won't give it back, and now are charging us again. That amounts to them stealing our money, threatening to ruin our credit history by sending us to collections if we don't pay twice.

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 2019-11-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX/CBNA XXXX Charge-off There is no remarks that shows that this account is charged-off. Also the dates are reported inconsistently. Please delete this inaccurate 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 2019-11-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
3 inquiries I need removed to start building my credit that I had no part of and never gave any permission to do anything with my information at all XXXX XXXX-XXXX, VA ( XX/XX/XXXX ) Jpmcb card-XXXX, De ( XX/XX/XXXX ) XXXX XXXX-XXXX, PA (XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am paying for Equifax Complete premier a credit monitoring plan offered through Equifax. 

There has been an on going problem with their service since XX/XX/2019. I am unable to refresh my Equifax credit report and I am unable to unlock the security freeze. 

Therefore, I am unable to apply for any credit transaction that would use Equifax. 

I have made several calls to their Customer service phone number and have spent up to 30 minutes on the phone per call and no one is able to fix this. The issue was escalated to another department and nothing has been resolved. 

I am essentially paying XXXX per month for a service that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/2019, I called & informed Chase Bank of my financial hardship due to wrongful termination from a previous employer.I wanted to pay my debt with Chase Bank and they informed me that if I enrolled in a " Re-age Balance Liquidation " program & made 3 payments of {$160.00} from XXXX XXXX XX/XX/2019, then my account would be forced current & reported to the credit bureau as current. 

I completed my consecutive payments of {$160.00} between the 3 month time period and my account was reported as current/non delinquent to the credit bureau on XX/XX/2019 and my last payment was submitted on XX/XX/2019 ( Before the due date of XX/XX/2019 ) which added up to {$490.00}. 

On XX/XX/2019, I spoke to Chase Bank to verify if my account was current and I was informed that it was current. On XX/XX/2019, Chase Bank reported my account as delinquent to the credit bureau as 90 days past due in the amount of {$400.00}. 
I called Chase Bank about this issue & they informed me that my account is not current although I completed the " Re-age Program '' and paid them {$490.00} within the 90 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I was an authorized user on my mother 's credit card account with TDBank. 

In XX/XX/2019, there was a balance of {$1.00} that was past due. My mom promptly paid off the balance and closed the account with TDBank ( she felt that it was very unfair that her account almost went into collection because of a {$1.00} - likely a rounding error when she made payments on her account. ) She ( and I ) have always paid off our balances every month before, during and after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been with Wells Fargo for 5 years. The last 2 years my debit card has had to be replaced 5 times. I have had my card information stolen or sold and had around 12 charges on XXXX. XXXX linked my card to at least 9 accounts none of which were mine. After speaking to the bank the following day an additional 4 charges were presented to my account. While the issue was finally fixed it was very frustrating and resulted in my card being canceled and having no access to my funds immediately. Shortly after XXXX began charging my account unauthorized. The bank did am investigation refunded my money and replaced my card again. But this happened at least 4 more times over just under a year. The bank told me that Visa was  responsible because they kept giving XXXX my new card number. It has been extremely frustrating. With everything going on with Wells Fargo I can't possibly be the only person that has suffered through this. When you card is canceled you can go to the bank and get a replacement card however if your funds aren't there because of a fraudulent charge what can you do. While looking into Wells Fargo please look into these issues as well. I don't have all of the date right now because it was ongoing and there are so many it will take some time to research. But they do need to get into trouble. I have been charged service fees while I didn't have my card because they canceled it do to fraudulent charges. They don't care. And it's really frustrating.

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 2019-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
I, XXXX XXXX XXXX XX/XX/XXXX, am writing a letter of complaint. I got a loan in the amount of XXXX USD in XX/XX/XXXX. I paid amount of approximately XXXX USD a month every month until XX/XX/XXXX. I reached out to creditor in the time of my financial hardship and they unwilling to work with me. They call me so much that this has caused alot of stress on me, so much that my health is declining. I shouldn't owe no more than 2,000 USD. 

The is a predatory lender & loan. I paid OVER 3 years at $ XXXX which means I paid over $ 10k   for a medical debt. I had a financial hardship due to a loss of income and additional medical issues. I reached out to the lender BEFORE the loan was late. They were unwilling to work with me. I only borrowed {$5300.00} and NOW they're reporting to the credit bureaus that I owe almost {$12000.00}. This has caused me to NOT be able to secure new housing or employment. This is unfair & inaccurate reporting. They are claiming VERY excessive fees, late charges and interest which is just untrue. Reporting a medical debt like this is both a FCRA and HIPPA violation. They call nonstop which has caused additional emotional stress which is unfair when I've already paid them well over the amount borrowed. 

I'm attaching my credit report from XXXX that shows I paid this loan ON TIME with NO late payments for YEARS and the balance owing at that time was ONLY {$5700.00} in XX/XX/XXXX with NO default. 

Here is the company info : MONTEREY FINL SVCS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX I appreciate your help. 

XXXX XXXX ( XXXX ) 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 2019-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I submitted a complaint against LVNV Funding XX/XX/2019 it was stated that the said account would be removed from my credit report the account was never removed and it is harming my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This credit card from SYNB/JC Penny 's DC reported balance of {$620.00} and credit card amount of XXXX opened XXXX XXXX is fraudulent.The address isSYNCB/JC PENNY 'S DC XXXX XXXX XXXX XXXX, GA XXXX USA This credit is on my XXXX  report.I never opened this account.

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 2019-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is very very clear that this report is incorrect. The only late remark present is a single LATE 30 DAYS then after that a CHARGED-OFF remark. I believe it will not be hard to remove this account.

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