vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  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 non-monetary relief
Consumer complaint received 2020-05-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Opened this Closed Account without my permission.!!! See attatched XXXX 1099-C IRS CANCELLATION DEBT MC ending XXXX XX/XX/XXXX XXXX. THIS ACCOUNT WAS USED TO OPEN OTHER ACCOUNTS I DID NOT AUTHORIZE. XXXX XXXX XXXX XX/XX/XXXX *UNAUTHORIZED BY ME and XXXX end XXXX XXXX *UNAUTHORIZED BY ME THIS ACCOUNT IS ID THEFT FTC # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXXSYNCHRONY BANK has a very confusing statement for providing consumer with promotional balance information. They add the deferred interest to the balance information and never show the actual remaining promotional balance. Ive never seen a statement so deceptive and Im a frequent user of deferred interest promotions. All other accounts that I have where I use deferred interest promotions are through XXXX and the information is clear and concise. 

I am a lawyer/consumer and I frankly can not read the Synchrony statement to know what I owe. 

Initially, I had to complain to them because my account was considered overdue three days after my purchase was delivered. They took my payment and dint consider it past due. 

I also note that since Ive set up automatic payment, that the automatic payment will be reduced by the amount of any other payment that I make earlier in the month. So, unless Ive set up an automatic payment large enough to meet the promotional obligation by the end of the promotional period, I have to take special action to pay them enough because if I attempt to pay extra during the month, they will credit the extra payment towards the automatic payment and reduce the automatic payment. 

This bank has predatory practices from unclear statement to payment due very near purchase.

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 2020-05-31 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: CA

Complaint narrative:
I disputed to Experian,, Account # XXXX, {$320.00}. Account # XXXX, {$470.00} .The charge off is with XXXX  XXXX XXXX  XXXX I disputed by mail I send them verification letter on XXXX XXXX and they receive it onXX/XX/2020 and by XXXX XXXX, they already had it update and verified it only took a couple days to be verified, i will like to know how they verified it so fast the accounts. but because i thought they never receive the first letter i send them a second verification letter onXX/XX/2020, and by XXXX XXXX, the already had it verified. So I send them a third verification letter and they open the dispute account on XXXX XXXX and by XX/XX/XXXX XXXX they had the account update and verified.And what their doing is not right.

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 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: HI

Complaint narrative:
XX/XX/XXXX XXXX Spoke with XXXX  of XXXX locates at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and he said that hell have XXXX/assistant manager to call us back regarding overcharge of {$500.00} he also stated that lines has already been suspended and that XXXX might have forgot to send notification out to XXXX on XXXX  XX/XX/XXXX at XXXX pm Spoke with XXXX and he stated that they made a mistake in canceling the overcharges XXXX also stated that he forwarded the concern to his supervisors ( XXXX XXXX XXXX and XXXX is also a XXXX manager and said that nothing was done about it. 

XXXX and/or XXXX XXXX XX/XX/XXXX at XXXX Spoke to XXXX with XXXX and he stated that XXXX and XXXX XXXX Managers ) are both on vacation and wont get back till XX/XX/XXXX which is on a Tuesday XX/XX/XXXX at XXXX XXXX  At XXXX called XXXX and spoke with XXXX when asked to speak to XXXX XXXX or XXXX XXXX stated that XXXX no longer works there XXXX works at a store in XXXX and XXXX not in and is off Thursdays and Fridays but will be in Saturday for a special event when I inquired about why my account was forwarded to collections she stated she had no idea

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 2020-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XX/XX/2017 {$500.00} This account is an 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 non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UBS BANK USA
State: FL

Complaint narrative:
UBS CUSTOMER SERVICE REFUSES TO UPDATE ADDRESS STATING THEY DONT HAVE MY ZIP CODE ON FILE ETC., REFUSES TO TRANSFER CALL TO SUPERVISOR, AGENTS ARE RUDE AND ROBOTIC. ASKING FOR ACCOUNT NUMBER REPEATEDLY. NOT SURE IF I WOKE THEM UP WHEN CALLING AT XXXX XXXX   BUT I NEED MY ADDRESS UPDATED AND PHONE NUMBER UPDATED AND CAN NOT GET IT DONE. UBS HAS A CONSISTENT PROBLEM WITH CUSTOMER SERVICE AND THIS SHOULD BE NOTED ON THE NEXT OCC OR CFPB REVIEW OF THIS ARM OF UBS. ABSOLUTELY INEPT CUSTOMER SERVICE AND THE AGENTS ARE MERELY A SYMPTOM OF THEIR PROBLEMS, THERE IS A COMPLETE LACK OF LEADERSHIP IN THIS BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have brought account up to date but credit acceptance is still reporting account is past due. I have reached out to them but still nothing has been done to correct. 





XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: FL

Complaint narrative:
On three different occasions, I have contacted Experian by mail to provide me : " Copies of any documents you used to make your decision, including electronic correspondence of all types, a copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher, the name, job title, and contact information of the individual ( s ) you contacted at the data furnisher and the name, job title, and contact information of all employees within your organization who played any part in handling this dispute ''. 

These letters were sent via certified mail and the allotted time of thirty days was given each time. Unfortunately, Experian only " updated '' the files without in proof of the above. I have requested the above information to ensure the information that was reported was legal and accurate. Other bureaus could not seem to find the documents, thus deleting the tradelines from XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. Experian, whereas " UPDATES '' the account. I am at a loss because I have yet to see where this updated information is coming from and I am concerned that they are not reaching out to XXXX XXXX, XXXX, XXXX, XXXX XXXX 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 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased and also used points for plane tickets on my chase preferred credit card XXXX  cancelled the flights. I used chase travel company to charge flights because I also had used my points for two of the tickets. Chase credited the points back to my card but will not refund the difference. XXXX has told me they credited there agency which is XXXX. I do not understand with numerous attempts that they will not credit me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I was in the process of purchasing a home and needed to remove a credit freeze for the loan application process. I was unable to remove Experian credit freeze using online and phone automated system. Experian does not provide a phone number to speak with a representative. All phone numbers lead to automated system that would not resolve my problem.

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 2020-05-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Several months ago, I noticed that my rating with Equifax was significantly lower than my rating with the other credit bureaus. I reviewed the report and discovered numerous errors. The summary says that I have too many delinquent accounts, when in fact I don't have any. Secondly, they have my name incorrectly noted. I don't have a middle name, so they put my first name as my middle name and added some bizarre name as my first name. I have spent hours on the phone with them and sent them copies of birth certificate, passport, and driver 's license. I also included a letter from XXXX XXXX, stating that I don't have any delinquent accounts and never did. When I call Equifax and spend hours on the phone, they say that I need to contact XXXX ... I keep telling them that I have and they have a copy of the report from XXXX. They steadfastly refuse to update my name saying now that there is nothing that they can do about a name change! When I ask why was I instructed to send in documentation to prove my legal name, they say that the agent was misinformed. Equifax is abusing privileged information and refuses to work with me on fixing this issue. I am shocked at how inept and incompetent they are. They also employ individuals who are rude and surely - nevermind useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
Made a payment on my account on XX/XX/XXXX via online account - payment has cleared my bank account. Here it is on XX/XX/XXXX and is still not reflected int my available balance. 

Target states that because I choose to make additional payments throughout the month or larger then minimal balance amount ... they need to wait until they get confirmation from my bank. They can not give me a date that it will be reflected in my available balance. 

Payment is made from the same bank account it has been paid from since I opened the account in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 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 requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Experian responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?

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 2020-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a Victoria Secret Card through Comenity in XX/XX/XXXX with a credit limit of {$250.00} and minimum payment of {$28.00}. At the end of XXXX they lowered my credit limit and raised my minimum without notice to which I attempted to resolve with their company with no luck. So on XX/XX/XXXX I filed a complaint here with the CFPB to try to resolve as my limit was lowered after a purchase was made the would put me over this new, lower limit making my account unusable and my credit show as over the limit which affected my overall credit usage. Comenity responded XX/XX/XXXX by raising my limit back to {$200.00}, waiving my XXXX payment and removing a late fee I was wrongfully charged. I made 3 payments in XXXX anyways and paid off my balance on XX/XX/XXXX, on XX/XX/XXXX I sent a secure message inquiring into why I hadn't received my XXXX statement as I usually receive it before the end of the month. I received a secure message with an attached file on XX/XX/XXXX, stating they had received final payment, yet I did not receive a statement. On XX/XX/XXXX I received another secured message this one stating my account had been closed due to inactivity and new credit information. I contacted Comenity to ask what they viewed as inactivity since in my view I made 3 payments the month before so I have only been inactive for 1 month. And if they are talking about purchases it had only been 4 months since last one and only that long because of how long it took to fix issues with my account. The response I received stated my inquiry was sent to a different department and I would receive a response from them. Then I realized I had a few items to ask about and explain so I replied back stating I have {$10.00} reward from purchases and a 20 % off XXXX  XXXX Anniversary Gift that had to be used by XX/XX/XXXX. But that also could only be used with my card that was now closed. And to explain the mistake with the lower score on the credit report they decided to base their decision on. Explain how my credit score had just taken a huge hit since my student loan servicer noted my account wrongfully as deferred, which it was not supposed to do under the CARES Act, but has since been rectified. To which they responded they already forwarded my request if more information was needed I be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: DISCOVER BANK
State: FL

Complaint narrative:
I have Discovery Credit Card for almost 3 years and I find out several charges to my account, charges the I never authorized. I contact Discovery and reported those transactions one for a company XXXX XXXX a membership they start deducting every month for several months {$49.00} and the other transactions are a membership from XXXX for the amounts of {$13.00} for several months also. When I found out I contactDiscovery  and reported, they send me new card but Never stop the NOT authorized transactions. They say they investigated but they asume the transactions are valid???? Im the customer and I never authorized those transaction, was a fraud transactions and Discovery dont protect customers against fraud. I stop the card to prevent more transactions go to my account, I lost a lot money because Discovery doesnt protect my credit allowing fraud transactions and I never stop making payments,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had 4 unauthorized hard inquiries on my XXXX  Credit report in the last 9 months, from synb/paypal. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted pay pal and synchrony bank, after the first two, and they said they would remove them. They did not. Then they went on and inquired two more times. This is unauthorized. I have not requested any credit from this company in the last 3 yrs. Please do something about this.

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 2020-05-31 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 requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?

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