vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I am receiving e-mails and phone calls from ABC Financial regarding my old XXXX XXXX membership with requests to update my financial information as well as make payments. My financial information never changed from the original credit card I had on file, however, I believe they have not been getting the payment because the membership was cancelled back when the gyms were closed. 

I submitted an e-mail ( their required form of communication ) to ABC Financial with the cancellation request on XX/XX/2020 and never received a response. When I was charged the annual fee in XXXX, I disputed it due to the cancellation request submission. XXXX XXXXABC Financial resolved the matter and reversed the fee. The dispute was submitted on XX/XX/2020 and the annual fee was reversed and credited back to me on XX/XX/2020. My last payment for the membership was on XX/XX/2020 ; I do not owe anything on this membership after that. 

I followed up with ABC Financial by sending them proof of the cancellation request, my credit card statement showing them the reversal of my annual fee, as well as a request to refrain from contacting me regarding this matter as it should already have been resolved. ABC Financial/XXXX  XXXX continues to call me with requests for payment and threats to send me to collections for membership fees I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: U.S. BANCORP
State: TX

Complaint narrative:
I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. 

I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. 

I am not responsible for this and want is removed immediately!

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion credit bureau as well as XXXX are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw TransUnion and XXXX credit bureau

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 2020-10-14 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: CA

Complaint narrative:
Please help me get rid of the errors in my credit report. I have been trying for several months.

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 2020-10-14 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: CA

Complaint narrative:
Please help me get rid of the errors in my credit report. I have been trying for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived at these addresses. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX I OPEN A CHECKING ACCOUNT WITH CITIZEN BANK THE BRANCH THAT I WENT TO IS XXXX XXXX XXXX XXXX XXXX NY XXXX. I JUST OPENED MY ACCOUNTS WITH CITIZEN BANK AND I MADE CHECK DEPOSITS THEY WAS FOR BIG AMOUNTS OF MONEY MY CHECKS CLEARED A CITIZEN BANK MANAGER HAS MY BANK ACCOUNT ON HOLD AND UP FOR REVIEW I NEED TO WITHDRAW MY FUNDS TO PAY MY RENT AND BILLS THIS BANK MANAGER AT THIS BANK HAD MY ACCOUNT ON HOLD FOR ONE WEEK I WAS ABLE TO WITHDRAW FUNDS LAST WEEK THEY PUT MY ACCOUNT ON A REVIEW FOR NO REASON THERE IS NOTHING FOR THEM TO REVIEW THEY NEED TO GIVE ME MY MONEY THAT I DEPOSIT THE CHECKS WAS ALREADY VEREIFED AND THERE IS NO FRAUD THE CHECKS WAS LEGIT THAT I DEPOSIT IN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am using the American Express Serve card. The merchant has put 3 holds on the card. As follows : Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$58.00} XXXX  XXXX XXXX Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$180.00} XX/XX/XXXX Store Purchase XXXX XXXX # XXXX XXXX, XXXX, IL ON HOLD - {$110.00} The holds are over 20 % of the value of the transcations that occured. I read through the terms of service dated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  And the terms stated the following : f. Pre-Authorization Holds and Processing Delays. 

When you make a payment to a merchant using your Account, Card, Sub-Account or Sub-Account Card, you are providing that merchant with an authorization to process your payment and to complete your transaction. In certain instances, the payment processing may not  occur immediately, and your payment will be " pending during this time period. 

In addition, when you make a payment to certain merchants for goods or services ( typically gas stations, restaurants, rental car agencies, hotels, cruise lines and similar merchants ), we or the merchant may request an authorization for the amount of your anticipated transaction in advance and may estimate the final value of the transaction, which may be more than the amount of the actual transaction. For example, a restaurant may request an authorization for the estimated dining bill and for a tip. In such an event, we will place a temporary " hold '' on the funds in your Account or Sub-Account for an estimated amount indicated by us or the merchant at the time the transaction is authorized, plus any applicable fees, and will release any temporarily-held funds in excess of the amount of the actual transaction, typically not later than the seventh ( 7th ) day after the transaction, in the case of most merchant transactions, and typically not later than the thirtieth ( 30th ) day after the transaction, in the case of transactions with rental  car agencies. Until released, the funds subject to the hold will not be available to you for other purposes. 


There is no mention of placing holds on account for grocery stores or other non hospitaltity releated merchants. I contacted Amex customer service and was told that they could do nothing to remove the hold nor would they resolve the matter outside of a 8 day business day window. Nor would they credit my account the diffrence of the hold. In addition I have two other fradulaent transcations that they refused to release hold as follows. 



XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: EQUIFAX, INC.
State: WY

Complaint narrative:
I checked my Equifax personal credit report, which I acquired from your organization on XX/XX/2020 and I noticed an unauthorized credit inquiry had been made. 
1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 4. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX 5. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX I contacted the above list conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the listed inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with XXXX  and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: MD

Complaint narrative:
Please remove these inaccurate late payments from my accounts. My accounts have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I moved from XXXX  to XXXX XXXX  in late XXXX. Once my residence was established and I received direction from the XXXX   on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: OH

Complaint narrative:
I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with Experian and lost. I have a pending dispute with XXXX. XXXX has not corrected the 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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Please refer to complaint # XXXX this is my response to the company because their representatives violated FDCPA and TCPA laws. Portfolio Recovery XXXX Associates contacted me many times during the month of XX/XX/2020. I advised numerous times for the company to quit calling and to communicate via US mail. They did not honor such request, and the representatives did not provide me with the address to send a cease and desist letter. The company states that they do not have record of the calls made to my phone number. The reason for this could be that I was called from a series of phone numbers, not just one phone number. The following are dates and phone numbers I that I was contacted by this company after advising that I did not want them to contact my cell phone, and to send information via US mail. I was told that they could not stop these calls until I verified who I am by giving them the last 4 of my Social Security Number ( which they provided XXXX, date of birth, address, and phone number. I was advised on XX/XX/2020, that the company would continue to call until they could verify who I am- this alone is harassment. This is blatant disregard for the law and harassing behavior from this company. This company contacted me each time with an auto dialer, which is a willful violation of the TCPA. On XX/XX/2020, the day that I filed my original complaint, I called the company and spoke to a woman who identified herself as an executive assistant. Once I advised the executive assistant that I was filing a complaint, the calls stopped, but why the harassment for over a month? This company has willingly and knowingly violated my rights under the TCPA and FDCPA and I am seeking compensation for emotional distress, harassment, calling with an auto dialer ( after being told not to ) not sending the information regarding the debt in the US mail, as I requested. I can also request a recordings of these calls because they will provide proof that I advised to contact me by US mail because I am not giving my personal information out to a complete stranger, but this company did, and you can tell if you listen to the phone calls, they provided the last 4 of my SSN and my address trying to confirm who I was. I should also mention that the representatives with this company never provided what business they were calling from, they always said their name and asked my name, last 4 of SSN, and address. 
XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Good afternoon, On XX/XX/2020. This account was placed on my credit report as a collection for the amount of XXXX. However, I never received any notification of this debt. I tried to get the company to verify this debt but they did not send me anything that shows that I owe this debt and I sent this on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.

Company response to consumer: Closed with explanation