vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
XXXX  report number : XXXX XXXX has violated my rights under the FCRA. 
I filed a dispute with XXXX  to dispute an erroneous entry by Complete Credit Solutions in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and XXXX   removed it in XX/XX/XXXX. 
It was then purchased by Complete Credit Solutions. 

I received electronic notification yesterday from XXXX  that the dispute was rejected. 
XXXX failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by Complete Credit Solutions detailing why this dispute was was rejected. 

XXXX  advertises a site to upload additional information supporting a dispute. It doe not allow XXXX   or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to XXXX : Complete Credit Solutions has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my XXXX  report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I noticed a charge for {$27.00} on my visa account recently for transunion. This charge never showed up on my recent purchases and went straight to my statement. Digging deeper I found that I have been charged four times since XX/XX/2019. I have reported these charges as fraudulent to my credit card account and cancelled the card. I have tried multiple times to call transunion and have not gotten through. I am XXXX XXXX military and rarely have time during the day to stay on hold for over an hr only to have my call dropped. I never authorized any charge for transunion and they have not made themselves available to aid me in solving this problem. I am afraid that they will begin to report this as a derogatory 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 monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2020, I tried to make a minimum payment on the Apple Master Card. Since it was my first payment to this new card and the Apple Card website is not well designed, I made a huge payment of {$930.00} which was not my intent. I wanted to pay the minimum this month as I have to take my wife to her doctor and pay cash. The following morning I called the Golden Sachs Apple Card customer service center only to hear from a Supervisor that it was too bad that I made the mistake of paying too much and they refused to put a stop on the payment like other Card banks have done as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -XXXX  , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020.

According to the law that all three bureaus -XXXX , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Original creditor : XXXX  XXXX XXXX  and Company account was sold to LVNV Funding LLC is in Violation of Federal law. ( Please see attachment for further details ) After challenging LVNV Funding LLC to accurately validate Account of which they have purchased from XXXX XXXX XXXX  account # XXXX. This account is currently being reported illegally. And must be deleted from my consumer reports immediately. 

Please note : the original creditor claims that they received last payment on this account in XX/XX/XXXX. But never closed the account. Account was not closed and I was not notified that account has been closed. 

As stated in writing the company claims that last payment was made in XXXX of XXXX but was not closed or charged-off until 233 days later in my of XXXX this is illegal. And be proven in court! 

Since account was not closed the account occurred interest and fees that was then added to the balance, of which can not be accurately verified. 

In addition I've made multiple attempts to have LVNV Funding LLC and the credit bureaus validate this account of which they have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Lender Inc
State: CA

Complaint narrative:
I closed the account but it says on my credit report I was late on a payment when I was not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: IL

Complaint narrative:
The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX- Amount {$1700.00} Date XX/XX/XXXX XXXX  XXXX- Date XX/XX/XXXX ; Amount {$12000.00} XXXX XXXX-Date XX/XX/XXXX- Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XX/XX/XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Date XX/XX/XXXX- Amount {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020, my mileage for XXXX  ( XXXX XXXX ) was shutdown from XXXX. Citibank is the administrator of these XXXX  credit cards I signed up for. 

I followed Citibank 's sign up bonus terms and conditions, including spend requirements, to achieve miles by the sign up bonus and spend for my XXXX   mileage account ( XXXX ). However, XXXX XXXX claimed my points being obtained were exploitativly obtained. Citibank Credit Cards therefore are responsible to the damage that XXXX XXXX has caused me because the points were considered exploitativly obtained. Citibank should have provided these miles to customers in a nonexploitive manner, and provided promise and security to its clients that they would not be taken away from customers who fulfilled Citibank terms. Now I have signed up for many credit cards, spent many tens of thousands of dollars, and become the victim of Citibank 's devious practice and lost all of my rewards because of them! This is totally unfair that I am screwed for something Citibank did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: IL

Complaint narrative:
The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX Amount {$1700.00} Date XX/XX/XXXX XXXX XXXX- Date XXXX XXXX ; Amount {$12000.00} XXXX XXXX-Date XXXX XXXX Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XXXX XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX- Date XX/XX/XXXX, XXXX Amount {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A dispute challenge letter was sent to ( Trans Union ) in XX/XX/XXXX of XXXX. Challenging ( XXXX ) - a unknown account. As of today XX/XX/XXXX. The company has yet to respond. A violation. Please see attachment of credit summary reflecting ( XXXX ) on my TransUnion credit report. 

In my dispute letter I've ask TransUnion to validate XXXX : by providing paperwork, documentation, signature, proof. 

When was the last payment made on this account? 

What was the last date of activity?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried contacting Experian multiple times over the phone to have the fraud alert removed from my credit file. I never seem to get anyone on the phone who speaks English well enough to understand so I have to disconnect. I have also tried countless times removing the fraud alert on line with no success. For this reason I have to file a complaint with CFPB against Experian for refusing to remove a fraud alert.I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove the fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Over the few months I have been getting letters from PayPal about them sending me a MasterCard/debit card linked to my account. 
The letter requires me to go to their site and tell them I do not want the card. 
I do not not feel I should be required to continually opt out of an unsolicited credit card. 
What if the letter gets lost in the mail, and next thing you know I have a card I don't want? 
I've looked online and this seems to be common, where people suddenly get a card in the mail they didn't know anything about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried contacting Equifax multiple times over the phone to inform them that I am not longer disputing and account on my credit report and with to remove/withdrawal my dispute against Ohio Department of Human Services. I never seem to get anyone on the phone who speaks English well enough to understand so I have disconnect. For these reasons I have to file a complaint with CFPB against Equifax for refusing to withdrawal my dispute against Ohio Department of Human Services. I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove/withdrawal my dispute against Ohio Department of Human Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion has not responded to my validation request made on XX/XX/2019. As of today XX/XX/XXXX the is in Violation. 

Please see attached of credit summary reflecting : ( XXXX XXXX  ) a unknown Account. 

XXXX XXXX- is the original creditor of which has not responded to my validation request. Of which includes : paperwork, proof of account ownership, date of last activity, recalculate of amount they claim I owe ; signature pages of contract as required by law. 

XXXX XXXX has not responded, a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX has provided an email dated XX/XX/2020. In this email XXXX XXXX   XXXX has agreed to refund my account for {$3200.00}. This was sent into Fidelity Credit CardXXXXElan Financial. The representative closed the case and the merchant is now not crediting the card back. Fidelity advised me that the credit would be done. In addition, Fidelity had permission to record calls for quality purposes not as a agreement from me as California requires two party consent to record any calls. This was not granted. I have been clear that I didn't ask for the problem to closed out rather that I be credited what the merchant agreed.

Fidelity has violated the state law and based on your response I will submit it to the attorney General of California as it is my right to not permit recordings of my calls. The recording said for improvement purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: OR

Complaint narrative:
I took out a loan for {$900.00} on XX/XX/XXXX To date I have paid {$1600.00} My account shows my balance as of XX/XX/XXXX to still be {$810.00} I have paid well over what I borrowed and believe that the interest rate and amount owed on the loan are not reasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I initiated 2 bill payments to the following companies from my Wells Fargo account : XXXX XXXX in the amount of XXXX and XXXX XXXX for XXXX. Despite having more than enough money to cover these, I was informed by the companies that the payments were not honored. 

In checking my account on XX/XX/XXXX I became aware of a Wire Transfer Withdraw in the amount of XXXX to an unknown account at XXXX XXXX XXXX XXXX, reference number XXXX, which was initiated and cleared on the XXXX. I do not have nor do I know anybody with an account at XXXX XXXX XXXX XXXX. 

Coupled with fact that I had been locked out of my account previously and was not able to initiate any transactions, along with the payments I had scheduled on the XXXX not being honored ... .how can a wire transfer be initiated and paid from my 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 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inspite of many previous requests to XXXX, XXXX, EquiFax XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore EQUIFAX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inspite of many previous requests to Experian, XXXX, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore XXXX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inspite of many previous requests to XXXX, TransUnion, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction IN THE ATTACHMENT

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