vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: VA

Complaint narrative:
I had a credit card account with XXXX  XXXX XXXX ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since XXXX XXXX XXXX enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted XXXX XXXX XXXX to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX  with all of the credit bureaus but have not removed the late payments. I made many calls to XXXX  XXXX XXXX to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, Trans Union and XXXX files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.

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 non-monetary relief
Consumer complaint received 2019-11-13 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: VA

Complaint narrative:
I had a credit card account with XXXX  XXXX XXXX ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since XXXX XXXX XXXX enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted XXXX XXXX XXXX to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX  with all of the credit bureaus but have not removed the late payments. I made many calls to XXXX  XXXX XXXX to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and Equifax files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. 

Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. 

XXXX  XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX   XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
This inquiry could stay on your report untilXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I contacted the company after receiving a credit card with a limit and then immediately receiving a closed account letter. I didnt authorize for the account to be open or closed and asked the creditor to remove the account of my credit. XXXX refused and stated for me to send a letter but they will not remove the account even though everything that has been done by the below creditor is not legit or authorized. 


Comenity Capital Bank XXXX XXXX Credit Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received earnings withholding order at work from Midland Management LLC. I called Sheriffs office and was told to contact the attorney for Midland management. When I contacted midland management, XXXX answered and refused to let me talk to the attorney. He told me that it was an account with XXXX. Asked to provide proof since dont recall having a credit card with XXXX, XXXX said I was served in XXXX to an address he gave I never lived at. Asked XXXX to send all documents and so far nothing received. Asked about if it was my debt and if they settle, XXXX asked me to send my paystub and he can give 5 % discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a gift card for {$100.00} dollars from American Express. Funds expired so I called the company to re-issue the card. The representative that I spoke said that they could not re-issue a new card being that the agreement didn't allow for the funds to be re-issued. I asked for a copy of the agreement. The representative directed me to the following : XXXX XXXX   XXXX I read the following section to the representative : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

Representative, refused even after I directed him to this section so I requested to speak to a manager. I explained the same situacion to the manager which after I tried to explain the manager hang up the phone. I tried several other times and my call was not taken. 

It amazes me that even after the representative directed me to the card agreement - they chose which parts of the agreements they decided to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am slightly behind but making progress on my past due loan. They call multiple times a day, everyday, even on Sundays. I tell them everyday to stop harassing me and that I will catch up, soon. The calls continue. It is a robo-dialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez ( aka ShellPoint ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to NewRez, my CPA, XXXX XXXX, set up an auto payment over the telephone with ShellPoint. ( The exact nature of the relationship of these two entities is unknown. However, NewRez purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by ShellPoint and the XXXX and XXXX payments had not been made. We received no notifications from ShellPoint/NewRez that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with ShellPoint. 

ShellPoint has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to ShellPoint and was not past due even by ShellPoints records. 

I sent this information to the 3 credit reporting agencies. XXXX has already responded that ShellPoint " verified '' the information in the report. However, this is impossible. I sent the payment history from ShellPoint showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

ShellPoint 's " verification of the information and XXXX XXXX decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.

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 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
Already took it off my XXXX  but will not take it off my XXXX  the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Already took it off my XXXX  but will not take it off my XXXX   the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: IN

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-11-13 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: NY

Complaint narrative:
I am writing about a XXXX XXXX that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.

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 2019-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing about a XXXX  card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope XXXX  honors what there supervisors had said. I have spoken to them several times.

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 2019-11-13 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: IN

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to you about a discover account that is now closed. The card was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I understand it was closed due a misunderstanding and when explained to me everything they had agreed as long as everything paid they would remove the entire card information from my credit history. Which they have yet to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: IN

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America had agreed to remove this entire credit file from any credit reports. The bank of america card I am talking about is now currently closed on XX/XX/XXXX and opened on XX/XX/XXXX. 

As of today this situation has not been fixed has agreed upon. The account was closed due to a misunderstanding. I had always paid on time and had good history with them. I just hope can resolve this manner as promised by there supervisors.

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