vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having problems getting in touch with the credit bureaus to update and correct my 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 2020-05-23 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: PR

Complaint narrative:
I received a call from a fraud representative of XXXX XXXX XXXX indicating me that she wanted to verify a recent new application on a XXXX credit account. She wanted to confirm the address because she noticed the phone number don't match with the info on the social security and found my phone number researching and this one matched the profile. I asked the address the person used and she express she can't tell me the complete address but that was from # XXXX XXXX New York. I immediately knew it was another fraudulent situation, I already had an issue with other company that said i owe another credit card issued on 2017 when XXXX hurricane and we had no communication, for another purchased on a credit card with an address from New York. Considering this is a second time I want all credit agencies to know that any application or loan asked on my behalf must be directed to my person again to confirm it is valid. Please help me in this matter, I am a person with excellent credit and I worked very hard and honest during the past 30 years to have this situation. Thanks in advance for everything you could do to help me and feel free to bring me advise on next steps with this great issue. I am in the middle of a mortgage transaction and this is not fair because I could not have the correct interest due to this mistake.My email is 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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
On XX/XX/2020, my wife and I received a Visa Debit card neither of us applied for. The address is Money Network Cardholder Services, XXXX XXXX XXXX, XXXX, NE. There is a Department of Treasury Seal on the letter. If this letter had fallen into the wrong hands and/or was not delivered to the correct address, a fraudulent person would have opened this card without our knowledge. This is a disgrace. Do not this case card or this bank.

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 2020-05-23 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: TN

Complaint narrative:
Transunion has, yet again, reported incorrect information on my credit report. This time it's on my XX/XX/2020 credit report ( XXXX ). The account in question, is XXXX XXXX - XXXX. 

The errors on the above referenced account, include : I. reporting the wrong " Payment Received. '' Should show {$230.00}. Currently shows, " XXXX. '' 2. reporting the wrong " High Balance '' date. The high balance showing was in XXXX. The current balance is {$2600.00}. That's a lot less than the original amount of {$14000.00}, which Transunion is showing as the " high balance '' as of XXXX. This is an egregious error, which distorts the true status of my credit worthiness!!

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have been waiting almost 3 weeks for my unemployment card that my job filed for me to receive. I have been trying to contact the card company and my local office even online I just need to know if my card is even coming I am contacting you XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have money on my cash app and it wont let me deposit it or send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: PA

Complaint narrative:
Trans Union continues to report inaccurate information on my credit report..however ; they will not allow me to submit a dispute. They are allowing negative reporting which is effecting my credit score but not allowing me the ability to dispute it. They have reported inaccurate information for the past three months, updating my report in XXXX, in XXXX and now in XXXX with negative inaccurate info, but not once allowing me to dispute it. I have even called into Trans Union and spoke with a representative and they are refusing to allow me to submit a dispute.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: GA

Complaint narrative:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My complaint is lack of service. I Tried to call them on XX/XX/20 about a {$27.00} late fee but they only have a recorded message and automated system. They should be fully staffed even during COVID. My company has their customer service people taking calls from home. It is ridiculous that you can not contact a company to discuss a problem. 

I have been a loyal customer for years. I missed making a payment due to too many emails. I wanted to ask them to credit the late fee and how to stop all of their emails other than the ones with my statement. I also wanted to know if I could set up notifications to alert me that a payment is due. They send one email with your statement and that is it. They also send emails about rewards and other things that I ignore. I ignored the statement by mistake. 

They did not even send an email that I had missed my payment. I discovered it on my own. 

My hours have been cut back due to COVID and I am struggling to make necessary payments and not ridiculous late fees. I am not a deadbeat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Call into Citi card in XX/XX/2020 about deferred payments when COVID 19 negatively affected our plumbing business which is our only source of income. Was told we would be deferred for 3 months and it was early in the process and they were still figuring everything out. We were not contacted or called until I got a notification from the credit bureau that I was three months behind. So not only did they report to credit bureaus that we are 90 days late, but now they want 3 months of payment and stated that we are not eligible for any COVID relief. They said they didnt contact us because we were on a no contact list.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I requested that LexisNexis Provide me with the method of verification they used to verify the bankruptcy they have shown on my consumer report. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

They did not provide me with this information all they did was respond saying it was verified. I did not dispute it I just requested their method of verification. I have attached the letter I sent and I have also attached LexisNexis response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: GA

Complaint narrative:
Experian did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.

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 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and Associates ( # XXXX ) /medical? 

Not sure where this is coming from and have not receive anything in this name but is showing in my credit report and is hurting my credits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: GA

Complaint narrative:
TransUnion did not properly investigate my credit dispute. I sent them all the required documentation. The letter they sent to me states that the information was verified but they did not include the manner in which they verified the information, which I asked for in my dispute.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Started a Credit Card through XXXX XXXX with XXXX XXXX. Set up automatic payment with my checking account. XXXX  XXXX sold the account to Comenity on or about XXXX of XXXX. XXXX   XXXX did not send information regarding automatic payment to Comenity and I was not informed of the change in ownership for the account until I received a late payment notification on or about XX/XX/XXXX from Comenity. I call comenity and requested full payment of my outstanding balance on XX/XX/XXXX and I made the stated payment of XXXX on that date. I received this date XX/XX/XXXX notification of 2 late  payment statements on credit report from Comenity and a balance remaining of XXXX. Comenity was called and stated the late payment was assessed at XXXX XXXX XXXX XXXX on XX/XX/XXXX after my phone call. They stated they would be unable to remove this late fee and will not be able to remove the incorrect late payment notification from my credit report. I paid my account by automatic debit from my checking account, was not informed of the change from XXXX XXXX to Comenity, paid my account in full as soon as I was informed, now have a late fee remaining on my account which was assessed after my full payment and have two negative reports on my credit. I believe I have acted in good faith in the situation and believe that comenity should wave the late fee assessed after my payment in full and remove the negative statements from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. 
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. 

Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I scheduled a transfer on XX/XX/2020 of {$50.00}. The scheduled payment will not arrive until XX/XX/2020. However, this is against the bank 's policy. Transfers typically take 12 business days to transfer. However, it schedules to be deposited into an external bank account until 4 business days. Due to the pandemic, banks are required to handle transfers and banking fees as fairly as possible. I shouldn't be charged withdrawal fees due to this epidemic and should be receiving the funds ASAP. I need to pay bills and purchase necessities, especially since I am unable to work. 

I tried to speak with a specialist about this matter, but the specialist disconnected the call and failed to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: GA

Complaint narrative:
This account is fraudulent. At the time I was married and my Ex-husband had access to my personal information and my SSN. And from reviewing my credit report this company is saying that I just started this account. Which is not possible because I haven't tried to open up any kind of credit with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Cruise booked for XX/XX/2020 cruise was cancelled thefore we apply for a refund and we got it from cruise co. A credit was issue to our credit card but when took out money total for refund wasover XXXX dollars when we took out XXXX a fee of XXXX was charge to us<is n't that a little too much to charge me for taking my own money???? 
Bank of America account last 4 numbers XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 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: U.S. BANCORP
State: NJ

Complaint narrative:
I previously wrote you about my credit card company not honoring my dispute in not paying for incomplete work done on the air conditioning system in my XXXX XXXX XXXX by XXXX XXXX XXXX. They responded stating that they sent me a request for a third party statement. 

First of all it took them two months not to honor my dispute. If they took the time to review all the information sent to them they would have noted that on XXXX XXXX my car was returned to them for the second time. They kept the car over night and that is when they discovered a leak in the EVAPORATOR which they admitted they didn't bother to check the first time because it would have involved further inspection. ( this information was clearly stated on their worksheet of XX/XX/2019 for which they wanted to charge me an additional {$900.00} in addition to the initial {$1500.00} previously charged. 

Furthermore, why would I have to get a third party opinion ( totally absurd ) when the evidence clearly shows that they were negligent in not thoroughly checking the air condition system. There was other evidence information that they received that I would have had to send under separate cover. 

Please be further advised that In spite of the fact that this matter is presently being disputed against XXXX XXXX XXXX. U.S. Bank has violated my rights as a consumer by reporting me to various credit agencies as a bad risk after having excellent credit for some 29 years. They are also billing me for the disputed Charge of {$1500.00}. Meanwhile, I am still paying the other charges which I have accrued. They told me to take it up with XXXX XXXX XXXX which is presently being disputed. Why then are they billing me for a dispute which they have refused to honor.

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 2020-05-23 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: AL

Complaint narrative:
They have not removed a disputed account. After multiple attempts they have also not sent me any accurate information via mail from them verifying.

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 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Agreed with company on payment plan and was promise to clear on credit report but instead still showing up on credit reports. I have made 4 payments already and have them direct deposit from my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent in a request to PNC to close my account, since they don't provide a way to do it on the website. Two months later, on XX/XX/XXXX, my account still had not been closed and I was charged a {$25.00} inactivity fee, despite having already requested to close the account.

Company response to consumer: Closed with explanation