vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
HELP 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. 


XXXX ( Original Creditor : 11 XXXX ) XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX Enclosures :

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 2019-05-09 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: TX

Complaint narrative:
The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.

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 2019-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account is showing as charged off bad debt and I haven't heard from them or received any information to be able to make arrangements. It does not have my address on there and so I'm not sure they would even contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase credit card which is incorrectly reporting data on my credit report. The company is not helping resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Started an online chat with Synchrony bank on XX/XX/2019 for 15 disputed charges due to the company I was working with stopped responding to me for products that I ordered and then never delivered. Chatted with XXXX XXXX and from the saved chat logs assured me that all 15 transactions were included in the disputed. Just to make sure I called customer service maybe a week later to make sure all those 15 transactions were included and sure enough they were not. I called the agent who raised the dispute and added the remaining amounts and stated that we have to wait another 60 days for these remaining amounts to be included in the dispute. Ok no problem. I called either XX/XX/XXXX or XXXX and I had an agent from the dispute department today state that at first they didn't see my dispute but then after a few minutes on hold she told me there was {$3800.00} still pending to be credited back? I am not to sure where they got that figure but recently they credited back {$1200.00} for the 4 disputes for the dates XX/XX/XXXX19, XX/XX/XXXX19, XX/XX/XXXX19, and XX/XX/XXXX19. The remaining amounts Synchrony bank stated there is absolutely no record and I would have to do another dispute. This company is by far THE WORST customer service company I have ever dealt with. No one has a clue how to service a customer. No way I would like this resolved 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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IL

Complaint narrative:
On XX/XX/2019 received an alert about a collection account being placed on my XXXX  credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion because I was unable to submit a dispute online. The representative I spoke with filed the dispute for me, but was unable to tell me why I could not access their online dispute website. 

She gave me the number to call the online team. I called and spoke with XXXX. I explained to her that although I was able to file my dispute via phone, I wanted to fix whatever the issue was with my identity not being confirmed. First, she said it was the browser I was using, and then she said it was because I already had a dispute filed. 

The message below is what I was given online : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Personal Credit Report. The system was unable to get enough information from the Personal Credit Report to complete this process. 

What to do : Please contact us at ( XXXX ) XXXX-XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX XXXX Mon-Fri ). You can also mail your dispute. 

If I can not get it resolved with a customer service representative, that leaves me no other options. '' I just need assistance, and I wasn't given any other options.

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 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
eastern account system incorporated is calling me when I got a new cell phone number saying I'm someone I '' m not. 

They just called me a couple times on XX/XX/2017. One of the " agents '' hung up on me when I told them I was a different person than the one they are trying to contact. 

When i called a second time to reiterate to them that they had a mistaken identity, i received no confirmation that they would stop calling or trying to collect the mystery debt. 

That is all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Have reached out to XXXX  to remove us bankruptcy Court - XXXX. They have moved it off of my credit report because of statute of limitations. Have reached out to Equifax and they will not delete it. It should be deleted because of statute of limitation. I'm needing help with Equifax to remove this bankruptcy, it has been on my report for 7 years. I did a dispute with Equifax the XX/XX/2019. It's a chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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 contacted the company today, XX/XX/2019 at XXXX and spent almost 20 minutes on the phone with them. The first representative I could barely understand and I had to ask him to repeat himself several times. However, I know I did have to list every inquiry I had issues with, only to then be told transunion couldn't help and I had to go the lenders?? Even though I already contacted them directly and told Transunion this, they still couldn't do anything. I then asked for a supervisor because clearly this had to be wrong. My credit bureau is supposed to PROTECT my information and clear any inaccuracies. The supervisor however gave me the same exact runaround. What are they there for!!????!!! I need these auto loan inquiries removed. I own a car with no lease. I'm not married and I dont have kids. I don't need a car. I did absolutely none of these. XX/XX/2019 - XXXXXXXX and   XXXX, XX/XX/2019 - XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2019 - XXXX XXXX, XXXX XXXX, and XXXX XXXX. I need these removed ASAP. Transunion is awful. XXXX has so much better staff that is much more helpful.

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 2019-05-09 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: OK

Complaint narrative:
I want to thank you first of all for extending me credit back when nobody else would. I have had my two capital one credit cards for a while now. I have had my rewards card for about 3 months now and the platinum secured card for about four months now. I have worked hard in rebuilding my credit and look forward to many years with my capital one cards. I have made every payment on time and try to keep my utilization under 10 %. I make multiple payments in the same month to keep my account balance low as possible.While I am grateful capital one has given me a chance to rebuild my credit i am having issues with capital one and their constant denial of a credit limit increase. Each time they have told me my account is too new or Secured cards are not eligible for credit limit increase. Every time i call into customer service to ask where that information is stated online or in my account access i don't get any answer and get a scripted response of their is nothing we can do. Asking for my account to be reviewed for consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: NC

Complaint narrative:
I submitted an online dispute XX/XX/XXXX with Transunion for a collection notice that appeared on my credit account a week prior from XXXX XXXX in PA, on behalf of XXXX XXXX XXXX. I also mailed certified notices XX/XX/XXXX with complete documentation to both XXXX XXXX and XXXX XXXX XXXX that prove and show I never had a contract with them. I never had any signed contract with XXXX XXXX XXXX and their claim is invalid and fraud. I had a signed contract with another company for restoration to my home which flooded during Hurricane Florence. Since XXXX XXXX   worked with the other company they asked me to pay a 60-40 split to each company which I did. I have also email and texts to that effect. I submitted their itemized bill to my insurance company and they also dealt directly with my insurance agent and submitted the scope of their work. There were 2 items that were found to be incorrect in their billing and they were notified as soon as it was discovered and requested to adjust their billing. XXXX XXXX  stated in an email they " would be happy to adjust their billing '' to the correct amount. XXXX XXXX   XXXX billed incorrect square footage and they threw out salvagable door parts. The insurance loss disbursement adjusted for the correct square footage and refused to pay for parts the company threw out haphazardly. The total billable was {$25000.00}. The amount deducted was {$2000.00} for incorrect square footage measurements and {$720.00} for parts thrown in dumpster. I paid {$22000.00}. I have recorded telephone call from XXXX XXXX who stated if they did the work, their bill would be no more than {$10000.00}. I also have text message stating they were owed {$10000.00}. I paid them a total of {$9000.00} after the deductions. They never billed me the amount they submitted to the XXXX XXXX, nor do I owe anything to them at all. I sent cancelled checks, signed contract, copies of emails and texts supporting all of this including legal sketches of house showing correct square footage. This claim is completely wrong and false and fraudulent. I can provide proof of the entire fraudulent claim proving I owe nothing and in fact overpaid them.

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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days

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 2019-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our mortgage was sold to Mr. Cooper/Nationstar in XX/XX/2019. Upon receiving our account, Mr. Cooper performed and escrow analysis and determined that we had a surplus. They sent us a check for {$1400.00} and emptied our escrow account, bringing the balance to {$0.00}. I realized that this was not correct and called Mr. Cooper and was instructed to send the check back, which I did. In the meantime, they performed another escrow analysis and determined we had an escrow shortage. Upon review, we realized that they had incorrectly projected our taxes to be {$11000.00}, despite our county tax appraisal to be under {$6000.00}. They also had a " miscellaneous tax '' for XXXX county for {$3700.00} - our property is not in XXXX county and we do not pay taxes to XXXX. I called immediately and reported that they incorrectly assessed our account. I was told that they would need to remove the incorrect tax, which would take 7 days, then send our account back for re-analysis. I called yesterday, XX/XX/19, which was more than 7 days later, and they still had not removed the incorrect XXXX property tax. I told them that we needed to get this resolved as soon as possible, seeing as our payment due XXXX is nearly triple our current payment. I was told that they were unsure whether they would be able to resolve our account prior to the payment due date, and we would need to pay the full payment ( {$3000.00} ), otherwise the account would be sent to collections. I have submitted all of the necessary documentation to Mr. Cooper, but have yet been able to get our escrow account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.

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 2019-05-09 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I checked my report recently and noticed that you did not remove it. 
Americredit Inquiry from XX/XX/2019 Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I contacted Citi and opened up a Secured Credit Card for {$1000.00} to rebuild my credit back up after suffering thru some hard times. On or AboutXX/XX/2019 there was a problem and my credit card was blocked. I contacted Citi and was transfered to the fraud department. Citi for some strange unknown reason can not verify my identity altho i have given them what they ask for. They can not or will not use my cell phone number to send the so called text message for security purposes and after a few calls i was told they would send me a letter with a validation code after waiting for 3 weeks said letter never came. I even asked if i could at least make a payment since my normal due date has come and gone and was refused this simple request! Ive never had this issue happen to me before even with my own normal bank, sadly they dont offer secured  credit cards at the moment or else i would have obtained one thru them instead of Citi

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 2019-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/2017 home depot ( citibank ) sent me a bill for under 100 to the wrong address. I did not get the bill. Have always paid bills on time. I went in person and talked with them and the person in charge of billing..paid the account and closed it. I was assured at that time ( payment only 2 months late ) that they would not report this as a negative to my name, as I was concerned with this. I have a great payment record. I don't need credit now but do not like this on my XXXX report as a " possible negative ''.

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 2019-05-10 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I checked my report recently and noticed that you did not remove it. Why is that? 

Td Auto Fina Inquiry from XX/XX/2018 It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AZ

Complaint narrative:
I received a letter from Fed Loan stating I was delinquent in XXXX and XXXX therefore 4 years later in XXXX they will be robbing me again and adding back to my loan a balance {$87.00}. 

They need to get their act together. My balance doesn't go down and when I try to pay a loan down, my principal balance does not go down. I have filed many complaints and no one - not even the CFPB cares. SOMEONE NEEDS TO DO SOMETHING AND REVIEW FEDLOAN  PAYMENT APPLICATION PRACTICES. NOW THEY ARE COMING BACK 4 YEARS LATER THAT THEY ARE REMOVING MY REBATE AND ADDING IT BACK TO MY LOAN BALANCE. DOES ANYONE SEE ANYTHING WRONG WITH THIS OTHER THAN ME.

Company response to consumer: Closed with explanation