vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: NY

Complaint narrative:
XX/XX/XXXX I checked credit karma on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 and XX/XX/2018 and XX/XX/2018 I reported that I was unable to pull or see my credit report or score to transunion. As of today, I'm still having the same issue.

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 2019-01-07 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: TN

Complaint narrative:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

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 2019-01-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TN

Complaint narrative:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

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 2019-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
During my annual review of my credit report, I have identified a collection item on my credit report : Paramount Recovery Systems.

Balance : {$310.00} Listed as an " Installment '' Debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is not sending my Closed Credit Card account to Collections and continue to charge a monthly Late Fee. The Balance is not correct and inflated unlawfully I believe. I will be consulting an attorney when my health improves so I can seek Arbitration as I am currently dealing with multiple health issues which are not being improved upon by the stress of this situation all as a result of poor fraud protection by this Company. 
I am disputing the Balance owed and want the Account sent to Collections immediately then a payment plan can be initiated after the Balance owed is Corrected.

I would also like to make note of the Unfair reporting of this Account as Late since the Account is Closed and should be sent to Collections.

I have bills that Synchrony Bank keep sending me showing the Late Fee and will submit if needed.

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 2019-01-07 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: GA

Complaint narrative:
I have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]  All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX ACCOUNT NUMBER # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. 



XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2018, I sent XXXX Euros to my stepson in XXXX via PayPal. I have never done this before and made several major mistakes that I am trying to resolve : 1 ) the transaction was processed as a business transaction, when I thought I was making a personal transaction.

2 ) For some reason the transaction was repeated, so that a total of XXXX Euros was sent as 2 transactions, which completely depleted my bank account. It was not my intention to send this transaction twice.

3 ) In an attempt to get the second transaction cancelled, I requested that the money be refunded. I later cancelled this request since I had begun the process of submitting a claim to PayPal and was instructed by PayPal to do so.

Since that time, I have made over 10 calls to PayPal requesting to get my money returned. Each time I have called I have been instructed differently and told different stories. However, I was finally told that the intended recipient had to initiate the refund. He has subsequently requested that the XXXX Euros be refunded to me, as instructed by me, and was told that the transaction is now considered fraudulent and it may take 6 months to get the money to me.

I am totally frustrated by this process ; am out a lot of money ; and have not had responsible interactions with PayPal staff. On numerous occasions I have requested to speak with a manager, and each time that request has been rejected ( I am told it is notT possible ). 
Clearly, this is a not a fraudulent transaction - the recipient has not tried to withdraw the money, and I have been forthcoming in admitting that I made mistakes with the transaction. 
The money sits with PayPal ; my stepson has been more than compliant with my requests ; and I have been vigilant in trying to recoup my money. Since the money was intended to pay his college tuition, I have sent the money again with another vendor ( RIA ) without a problem. 

Any assistance that you can provide would be greatly appreciated. I am also going to report this to the local television station consumer advocate. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07 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:
To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, 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 explanation
Consumer complaint received 2019-01-07 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: CA

Complaint narrative:
I am a victim of identity fraud, as a result, fraudulent charges were included on my credit file. I sent this company my dispute with a clear explanation and evidence in as far as my identity fraud is concerned. I even attached to it my Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act for reference.

To my surprise, until now this company is still reporting this fraudulent accounts As I write this letter, this fraudulent account continues to damage my credit file and Equifax doesn't seem to have done anything from the XX/XX/XXXX when my first correspondence was sent and received by them. For yet another time, this account is fraudulent : XXXX XXXX XXXX, Account Number : XXXX Opened XX/XX/XXXX, Credit limit {$4000.00} This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of my identity fraud letter and a copy of my small claims form which am ready to file if they continued their negligence and none compliance. 

This is a written proof of my intent to find a resolution in this case failure to which I will file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RELIANCE FIRST CAPITAL LLC
State: VA

Complaint narrative:
My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX   XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that Reliance First Capital requested it and they are just the contracted agency and they work for Reliance. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither Reliance nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit. 

This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I WAS CONTACTED BY 2 COMPANIES.. ONE WAS XXXX XXXX XXXX AND THEY SAID THAT THEY WOULD GET ME OUT OF MY TIMESHARE SO I PAID THEM XXXX WITH MY DEBIT CARD. WELL AFTER PAYMENT ON XX/XX/XXXX I DECIDED THAT I DIDNT WANT TO GO FORWARD SO I CALLED TO CANCEL AND THERE WAS NEVER ANYONE THAT WOULD ANSWER CALLS OR RETURN MY CALLS. I CALLED MY BANK BUT THEY SAID THAT SINCE I AUTHORIZED THE TRANSACTION IT WAS A VALID CHARGE AND I HAD TO SPEAK TO THE MERCHANT ABOUT GETTING A REFUND ... THEN THE OTHER COMPANY THAT CALLED ME WHICH I THINK WAS THE SAME COMPANY TOLD ME THE SAME THING THERE NAME WAS XXXX XXXX XXXX AND I PAID THEM XXXX WITH A CHECK ON XX/XX/XXXX .. THE ONLY REASON WHY I PAID THEM WAS BECAUSE I REALLY WANTED TO GET OUT OF MY TIMESHARE BECAUSE THE FEES ARE ALOT OF MONEY AND I LIVE ON A FIXED INCOME. NOW I HAVE BEEN TRYING TO GET ALL THIS MONEY BACK FOR A FEW YEARS NOW AND I HAVENT HAD ANY LUCK. IM HOPING TO HAVE SOME LUCK WITH YOU BECAUSE THIS IS JUST NOT RIGHT FOR THESE COMPANIES TO TAKE MONEY FROM SENIOR CITIZENS THIS IS ABUSE. PLEASE HELP ME

Company response to consumer: Closed with explanation