vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX XXXX  which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX XXXX  when they sent my account to collections with MCM ( Midland Credit Management ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called Midland Credit Management at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX claims that I had an account with them and owe {$530.00}. Ive never had an account with this company but unfortunately they ruined my credit with the negative amount. They didnt try to verify and validate 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 2020-07-06 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}

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 2020-07-06 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: GA

Complaint narrative:
I have been a victim of fraud and i am in the process of trying to get my credit back in order. Every year i hav to ofile my taxes with a security code. I have sent a copy of the various items on my report that does not belong to me along with an FTC original letter addressing these items as well to all 3 credit bureaus. TransUnion and XXXX  keeps stating that they have not received it although i have certified proof that the information was indeed signed for by their organization. It has now been well over 30 days as this is my second attempt to get these matters rectified without any success. I am trying to purchase a home and this has hendered me greatly. So fa XXXX has complied and assisted me with my matter. Any assistance with this matter will be appreciated.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have tried to cancel my Checking ( XXXX ) and Savings ( XXXX ) accounts with Citibank multiple times via phone and chat. I have been told that my account would be closed, but I don't have a record of this exchange because Citibank does not allow you to send them email communications. 

On XXXX, Citibank charged me an account maintenance fee ( XXXX $ ) and an overdraft fee ( 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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I contacted American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance, and ask I only be contacted, via USPS Mail, and American Express, cease communications. American Express, received my request, XXXX, XXXX, XXXX. 

Then on XXXX, XXXX, XXXX, I was contacted by a XXXX XXXX, with XXXX, in regard to the above referenced account, who left a voicemail message on my telephone, in spite of requesting this debt be validated within thirty-days, and American Express, cease and desist communications regarding this alleged account. 

I never received any mailings in regard to my dispute within thirty-days of my request. 

Please see the attached documents ( validation letter ), receipts, and voicemail recording from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I sent certified letter to Jefferson Capital System agency on the following dates requesting the amount owed to be updated : XX/XX/2020, and XX/XX/2020 and no response received as of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
XX/XX/ RMS send me a letter after I disputed the claims of the bill with XXXX XXXX after speaking to my insurance who assured most of the bills were not mine - they did not properly file claims with them or do proper adjustments - XX/XX/XXXX- claims were not paid because insurance requested corrected claims never got sent to them & over charged were charged for services not received They just sent statement of their records and not accurate or in compliance with insurance per my insurance - I have contacted insurance commissioners. I have called months with no return call from - XXXX XXXX - Account Disputes Manager - I have left several messages as well as my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I added an external account to plan a future transfer on my Wells Fargo account. On XX/XX/XXXX, I was told my online account was restricted even I just added an external account and didn't initiate any transfer. When I called for help with accessing my account, I was told I must go to a branch to prove that external account was mine to lift the restrictions. That external account of course belongs to me and I can verify that account is mine by providing my account number, but they insist that I must go to a branch to prove it. The problem is that I have symptoms of XXXX  and XXXX  and I do not want to get in touch with any other people to have them XXXX. When I ask if there is any alternative way, the rep said I MUST go to a branch to solve the issue. When I ask if they can close my account and mail a check of my remaining balance to my address, they repeat that I MUST go to a branch to solve the issue. In this way, I can not go to a branch and I can not get my money back from Wells Fargo, so I am here filing a complaint about Wells Fargo 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 non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The seller is the XXXX XXXX XXXX  XXXX Debt collector is : Portfolio Recovery Associates LLC. 

My name is XXXX XXXX. I'm filing a complaint in regard to unrelated bank charges while having an account with XXXX XXXX XXXX  for {$2000.00} toward my account. I have disagreed with the bank related to charges of my account. After the dispute the bank sold the amount to debt collector agency Portfolio Recovery Associates LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted American Express, to dispute the validity and balance of their alleged account under the Federal Fair Credit Acts. They received the notice, via Vertified USPS ( XXXX ), on XXXX, XXXX, XXXX. I did not receive and documents within 30 days. But, American Express, continues to report to credit agencies a valid account exist to credit reporting agencies, instead of deleting that information as requested. Please see the attached validation letter and receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
i submitteted a complaint but they told me that it was an inquiry instead of a complaint. i now want to submit a complaint. the ten loan servicers i have had over the last 15 years have refused to give me credit for the money i have paid over that time period.I need proof of what iowe. the dates the money was posted to my account. plus i need proof of my payments that was APPLIED to my account because XXXX dollars was posted but never applied. also XXXX was paid through bankruptcy from XX/XX/XXXX to XXXX XX/XX/XXXX i sent them XXXX to cover the rest of the XXXX i owed in arrears. that wasnt applied. i already sent them my proof. Now i want them to send me proof of what i owe because my account history i got from them says i owe XXXX but they say i owe them XXXXCan i please have proof of the XXXX they say i owe? The original loan was for XXXX ... how could this be. I already submitted my proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Agency of Credit Control
State: CA

Complaint narrative:
This collection agency refuses to validate the debt. I request legal validation of this debt, original creditor, last invoices, original amount owed, notices sent and addresses notices were sent to as this is my legal right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that XXXX XXXX please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.

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 2020-07-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that syncrony bank please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.

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 2020-07-06 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: MD

Complaint narrative:
I have contacted Transunion for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar don but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Hello, I am reaching out regarding a bonus offer on a savings account that Citi has not timely paid. 

The terms are as follows, taken from the attached offer : Earn {$400.00} Bonus Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXXto XX/XX/XXXX. 

Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

As the attached transaction history establishes, I have met the terms of the bonus : I opened the account on XX/XX/XXXX. 
{$15000.00} was deposited to the account on XX/XX/XXXX and has remained in the account since. 
The bonus requirement were met on XX/XX/XXXX. 
Per Citis own terms, the bonus was due no later than XX/XX/XXXX ( 90 days after the bonus requirements were met ). 

I confirmed the bonus terms with a representative on XX/XX/XXXX. The representative also confirmed that the bonus had not yet posted. ( See attached chat transcript. ) Thank you very much for your time reviewing this case.

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 2020-07-06 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: AZ

Complaint narrative:
XX/XX/XXXX a letter was written to TransUnion regarding a creditor reporting a debt that was included in a bankruptcy in XX/XX/XXXX. That letter received no response after 30 days so another letter was submitted in XX/XX/XXXX to TransUnion following up from the XXXX letter that was mailed in XXXX. No response as of yet. Due to this creditor reporting this inaccurate it is damaging my credit even more because of the inaccuracy.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim 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 2020-07-06 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent in a payment in full to the wrong address via mail and it came back to me, so I resent the payment in full which has now cleared chase card services. This is literally 2 days after the due date. I have moved 2 times in the last 120 days and have been dealing with major health issues in my family. This was clearly a mistake on my part to not make sure I am on auto pay and apparently for this one card I wasnt. My balance is zero and I have a perfect payment history except for this one mistake. Chase has told me that they will not remove this negative report even though I have paid everything in full. Is there anything I can do here, especially in light of the pandemic, etc?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
They have placed a medical bill of {$78.00} that is not mine. I have confirmed with my insurance claim was not sent correctly and have no record of this or the balance! I have since contacted insurance commissioner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I went online around XX/XX/2020 to try to temporarily unfreeze my credit report, as I have done previously. I was unable to do so, after entering in my myEquifax login info the screen said " we are temporarily unable to complete this request. please try again later. '' I proceeded to try to login on my laptop and mobile devices ( XXXX and XXXX  ) to get the same message. This has continued until today when I attempted to call the number provided on the site in which I spoke with several different employees ( employee ID XXXX global consumer team, XXXX - MyEquifax as well as her supervisor XXXX XXXX all of whom failed to verify my identity and unfreeze my report. As a consumer, I have the right to access of my report and I am not being adequately assisted to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX  XXXX  XXXX   XXXX  open XX/XX/2016 {$22000.00}, my name is not correct.

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