vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: PA

Complaint narrative:
I began getting calls regarding debt owed to an apartment complex that I moved out of. The debt collector, Hunter Warfield stated that since I did not do a final walk through at move out, I owe an amount of {$560.00}. I never received anything in writing from them regarding this debt. When I called to try to settle the debt, I asked for an agreement in writing. They refused to put anything in writing and stated that once I pay, I will receive an email with a code to retrieve confirmation of my payment within 24 to 48 hours. Hunter Warfield continues to report the debt to the credit bureaus continuously. They mentioned on the phone that they do not own the debt but are trying to collect on behalf of their client, the apartment complex. I am more than willing to settle this if they can prove that they are legally authorized to collect this debt.

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 2019-11-05 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: CO

Complaint narrative:
I have a XXXX  XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a XXXX XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.

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 2019-11-05 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I visited XXXX from XX/XX/XXXX to XX/XX/XXXX between that time I rented a car From XXXX XXXX XXXX  company the computer placed a XXXX dollar hold on my credit card for incidentals. There was damage to the car when I returned it and they told me how much I would be charged for it which was XXXX dollars. I was told that the hold would fall off and that I would only be charged XXXX. The entire XXXX settled on my account and then I was told I would be refunded the difference of XXXX. I waited and didnt not see the credit they kept tell me to wait for so I filed a dispute with Citi card and sent the appropriate documents in. Each time I would call Citi card to check on the status of the dispute I would be told its still processing and I would just have to wait another 7 to 10 business days because they are waiting on a response from the merchants bank which is the XXXX XXXX XXXX XXXX XXXX. Being frustrated with Citi for taking forever I called XXXX and was told they have no records of communication with Citi for the amounts stated. I need this to be expedited because The records I received from XXXX XXXX XXXX show that a authorization and refund was issued through XXXX on XX/XX/XXXX and today is XX/XX/XXXX and between Citi card and XXXX  I am still out by XXXX dollars.

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 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had a dispute due to fraud that happed to PayPal was to issue a payment back to my bank but in fact, they took money from my bank instead of giving my money back. Transaction numbers are XXXX XXXX charges are for XXXX. My bank and I both told them they in fact never posted the money they took it. said there is an error on Pay Pal end. I sent proof and PayPal has refused me of all ways to have them fix this error. On their end, I have been trying to fix this but they refuse. They keep giving me the runaround and are claiming they never got a letter from me. Paypal on the phone stated they were in contact with my bank and that my bank told them that I was paid twice. In fact, my bank stated they never told PayPal that I was paid twice. my bank informed me that PayPal needs to remove anything negative due to them not giving me my money back. Also, Paypal has transferred me to disputes, collections and customer service and every time I call I get we paid you and stated my bank is lying. My bank is XXXX and knows the bank and they told me PayPal should no they never gave me those funds back. They did a reversal that took my money now they are refusing to take this from collections and are trying to collect a debt that is not owed to them. Their collection, customer support team stated that XXXX is a lier and is not doing their job. Paypal is trying to collect a debt over a balance that is clearlyt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank credit card in the amount of {$470.00} is trying to be collected by the company but I have explained this is not my account and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX services continues to furnish information on credit file. Requested validation of signature and contest to contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: ERC
State: PA

Complaint narrative:
Enhance Recovery continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: BYL Collection Services
State: CA

Complaint narrative:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX, BYL Collections, XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2019-11-05 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: NY

Complaint narrative:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

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 2019-11-05 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: CA

Complaint narrative:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
{$2800.00} was stolen from me by a Citi customer ( without my endorsement on the check ) and Citi still allowed the check to be cashed into their account. After allowing this check fraud, Citi would not get back to me and give me back my money after the customer has been indicted for grand larceny by the 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 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NV

Complaint narrative:
I am writing to you in order to gain some knowledge and understanding about the process of charge-offs and its relation to the IRS. A credit card company did a charge-off of an old debt that was 15-20 years old, unbeknownst to me. I never received any notification that this debt had been charged off until the IRS sent me a letter telling me that I now owe them money due to the charge off that occurred back in XX/XX/XXXX. The delinquent debt occurred during the time I became unemployed back in XXXX and took 1+ years to find another job. During that time I made every attempt to set up payment plans with my creditors, but they all told me no. I was receiving unemployment benefits and used my retirement fund and savings in order to take care of myself and my young daughter. I had to pay my mortgage, so the credit card companies were not able to be paid enough. I informed them all of my unemployment, but it made no difference. They continued to add fees and charges onto my accounts. These events occurred back in XXXX, but the charge off of $ 10k+ occurred in XX/XX/XXXX. The credit card company never notified me nor did they ever tried to alert me to a charge off of debt. I am not blaming the IRS, and I have already contacted them to let them know that I was not aware of the charge off, and that I would do everything in my power to accommodate them. The IRS advised me to do some further investigating prior to submitting anything to them. I would like to understand how or why a charge off of an old outdated debt could happen 10-15 years later. Please provide me with additional information about this and also please let me know if I'm responsible for the payment of this tax fee to the IRS for this charge off. Any assistance or advice from you would be greatly appreciated. Thank you so much for your time. I look forward to hearing from you soon. Also, I will let the IRS know that I have been in touch with you regarding this situation. Thank you again. Please enjoy your day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have disputed the charges due to identity theft for SYNCB / Lowes in the amount of {$380.00}. I have asked to remove the account.

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 2019-11-05 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: Innovis
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX  XXXX  XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: BYL Collection Services
State: CA

Complaint narrative:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX  XXXX, BYL Collections, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2019-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hello, I have been using Synchrony Bank Credit card since past 5 years. 
As part of Text and Email alerts, I have setup Text and Email alert for any payment which is due in 2 days. We generally set up this alert so that even if you miss reading the email, at least you have a notification on your cell phone. 

The Synchrony bank payment was due on XX/XX/2019. I did not receive any text notification on my cell phone for any payment due notice. So the Bank charge me {$38.00} fee for the same. I got only a text notification on Friday XXXX XXXX stating the following. " Amazon.com Store Card Courtesy reminder. Make payment. syncbank.com/amazon.XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP '' On XXXX XXXX I got a text message as this, " Quick heads up to make payment at syncbank.com/amazon or call XXXX. FreeMsg : Synchrony Bank. To opt out reply STOP ''. 

Today, on XXXX XX/XX/2019, I receive call from Synchrony bank debt collection for immediately paying the amount {$79.00} as it is past due. when I told the lady on the call that I did not receive any text notification for payment due and I received a text notification on XXXX XX/XX/2019 only after the payment is past due. As this is a technical glitch from the bank side, I am not willing to pay any late fee. 

The lady was patient enough to listen to me and transfered to customer service but unfortunately I had to hang up the call. 

I called back customer service XXXX and told the representative what has been happeneing, she argued with me that you have been receiveing text message 'as per their system ' and talked to me with high tone saying 'you did not pay bill on time because you did not receive text message is not a good reason, it does not work this way! ' I am extremely unsatisified with the representatives tone and told her I will be closing my account. On that she said " yes please go ahead, you can do so '' and hung up! 

Please advise me how I can get some justice with this complaint and issue. Bank charge hefty {$38.00} late fee and the customer service is even ruthless to hear the issue fully and blame it on customer for the mistake bank committed!

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