vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 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: NC

Complaint narrative:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies Transunion, XXXX and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the Transunion, XXXX  and XXXX remedy these errors

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 2019-08-30 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: NC

Complaint narrative:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, Equifax and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the  negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, Equifax and XXXX  remedy these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX and Experian, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XXXX of 2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX and Experian remedy these errors

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CareCredit lowered my credit limit from {$2500.00} to {$1500.00} because my credit score dropped. This seems unethical and illegal.

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 2019-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
Was contacted by Credit Control debt collectors about XXXX XXXX fees. Called my doctor who said that the lab didn't have my insurance, so they reprocessed the labs ordered with my insurance. I have the EOB and that it had done through. Other labs were covered through school insurance under the visit. Regardless of this, collections went through to be on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2019, I submitted a claim for {$200.00} to get my money back. On XX/XX/2019, I went to the XXXX XXXX XXXX and tried to take out {$200.00} and was charged XXXX to use their ATM. I did not receive any money but the money was taken anyway. I had reached my limit on withdrawals and Bank of America 's system stated that the withdrawal had been denied. I called the next day to confirm with bank of America 's phone system and the system confirmed that the transaction had been denied. While the claim was going on, I called bank of America to let them know that their system had confirmed that the transaction was denied but they said they still have to do the investigation since the ATM was not theirs. I figured I would be ok since it was in their system. 

I just received a notice on XX/XX/2019, that the claim was not going to be paid back. Bank of America gave no reason and clearly their own system even stated that the transaction had been denied. I am filing a complaint because I did not receive any money from that ATM and Bank of America has a record of that transaction being denied. I am due back {$200.00}. This has made my account run a negative {$200.00}.

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 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Applied for a personal loan with one main financial online and was assigned to an office located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, the branch was not straight forward with what was actually needed and there was a lot of back and forth that took over a week to get nowhere. Call backs were seldom and documents provided as much as I could but it was still not enough. The branch still ran my credit but did not appropriately move forward with a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2019 I logged onto my Amazon Chase credit card account and a pop-up asked that I verify my personal information. The information provided was not mine, but was the address and phone number of my deceased cousin ( passed away 5 years ago ) who lives in another part of the country. I then checked my credit report and his address now appears as one of my addresses on the report. I have never shared an address with my cousin and have  never provided the address or phone number to any company. I called Chase with concerns about my account security and to try and understand if someone is using mine or my cousins information fraudulently, to which I was told " maybe '' but there is no way to know. They can not research how my address got changed to my cousins, the only thing they could do is change the address back. I asked for a supervisor who told me the same thing, that Chase does keep information regarding address changes on file so there is no way to know how this could happen. I expressed my concerns over the security of my data with the Company and the response was " don't worry, we changed the address back ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I signed up for TransUnion. It advertises by signing up you get all 3 scores and reports. I signed up paid XXXX it ONLY gave me TransUnion. Then it tried to charge me XXXX more for the other two scores but that's not how it advertised. I called they refused to give me a refund. Rep kept blocking me from speaking to a supervisor. She kept repeating we Are not giving you a refund. I kept saying I've asked several times to speak to a supervisor and you have yet to allow me access to one. Then she said imma put you on hold and she never transferred me to a supervisor. I've attached what their site says when you sign up

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 2019-08-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently called chase submitted two claims they stated since I went to the bank and have online banking and reported this late and have logged on to online banking and was not able to contact them when Ive contacted them twice about the same issue and no one submitted my claim the first time. They denied my claim and now they have reopened for another review but the representative stated its rare for me to receive the approval it depends on investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-30 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Portfolio Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, Portfolio Recovery Services stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. Portfolio Recovery Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
This is a new complaint and is related to my complaint # XXXX. 1st Bank did in fact reverse the fee which is good but what they did in order to do that was completely delete a payment I had staged to go out on XX/XX/28 for XXXX 's mortgage payment. 

What they neglected to do is notify me immediately that this was done via email, text or phone call so that I can have the opportunity to setup another payment for XXXX. 

If I did not happen to login to their website and notice this, I could have missed XXXX 's payment which would have caused a late fee and a derogatory credit report statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I called Ally Financial Inc today XX/XX/19 regarding a discrepancy with my outstanding balance of my car loan. I advised the balance reflected on my account was {$4700.00} short of what I paid. The representative was agreed with me after doing the math together and consulted his supervisor. He cam back on the phone and proceeded to tell me that because my payments were not made by their due date of the XXXX of the month that they were allowed to raise my interest rate to over 50 %. When I advised that his explanation doesn't sound legal he began to tell me he could no longer help me and disconnected the call.

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 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
On XX/XX/2019 I sent Convergent Outsourcing partial account # XXXX seeking {$120.00} a NOTARIZED Cease & Desist letter. I requested that they remove their negative reporting to XXXX, XXXX, and XXXX immediately as they are not my original creditor and that I do not wish to work with them. I am enlisting the CFPB for help in making sure that they do remove these damaging reports and terminate all collection efforts.

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
they had closed my account for no reason, i have not yet know why, i was not doing anything wrong, money was being sent to my card from a relative, the balance on my card was XXXXcts, they have not sent my refund..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received a notice XX/XX/2019 that my credit card account was being forcibly closed. This is likely to affect my credit score as it is my oldest account. I filed a Better Business Bureau complaint and spoke to someone from the Executive Office today, XX/XX/2019. 

I have dealt with other companies that send a reminder before they close your account. This is a much more customer friendly and facing policy than the draconian nature in which Capital One dealt with my account. 

I believe that giving the consumer the option to maintain an account is a better policy, and as a result I will no longer give business to CapitalOne now, or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Marlette Funding, LLC
State: ND

Complaint narrative:
Best Egg is basically calling my place of employment multiple times a day almost every day of the work week. I need this to stop for as I am in fear of losing my job because they constantly harass my place of employment. I have XXXX along with XXXX which stems back from a work accident which killed a coworker right in front of me. Im pretty much XXXX as since my wife and I had to move in with my parents. I am very worried that my employer may take action against me for the harassment coming from Best Egg Financial

Company response to consumer: Closed with explanation