vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: Shellpoint Partners, LLC
State: KS

Complaint narrative:
SHELLPOINT - XXXX is reporting an erroneous late on my credit file. I was not aware of this until I checked my credit report. I had called them because I was unaware of this late and never received a letter, notice, or phone call. When I called and paid I asked why they didn't notify me, they said they sent a notice to an address where I do not receive mail. 
They acknowledged that they made this mistake and did not charge me a late fee, they also said this wouldn't report on my credit file. This was a long time ago and it is still reporting on my credit file. I called again when I noticed the late being still being reported. Again, I was told this would be removed. Unfortunately this late notation is still reflecting on my credit file. I have been a customer for years and have never been late on this account. It is a shame that they are doing this to really good client of theirs. I am expecting that this late be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.

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 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have been disputing this debt for months now and XXXX and XXXX continue reporting this on my credit even though I showed them evidence that XXXX deleted this account. I have sent them evidence showing where TransWorld system is clearly giving false information about me to them and yet, they continue reporting this account on my credit and these two bureaus keep validating this debt. 

One one occasion in which I have attached evidence, TransWorld notated on XXXX XXXX that I paid {$20.00} toward this debt, which is a clear lie. After reporting this to these two bureaus, the notation on XXXX XXXX suddenly disappeared, but the debt still remained on my credit. 

The next lie they have been reporting on my credit reports in " Natural Disaster '' I never told them that I was experiencing a natural disaster as I never spoke with these people. 

They also have not provided me with the original contract bearing my actual signature. They just sent some aged printout saying my signature is on file. These are all clear violations of the FCRA and the FDCPA. 

I thought I would file a complaint with the CFPB if these people continue to report this inaccurate and false reporting on my credit which is damaging my credit, before I turn this matter over to my lawyer. I would like to resolve this matter amicably and they have yet to tell me what right they have to collect in my state and GA statute of limitations is four years in which this account is past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I opened a card at Target and was approved for a {$300.00} credit line from the Target credit card. When I received my card when I went to acitivate my card the number for activation took me to a recorded message that sold XXXX products. I immediately though that I must have dialed the wrong number. I dialed it again and only to get the same results. It had no other options for getting to a customer service provider or to activate my card. I decided to activate my card at the Target store where I was shopping.I was informed that I would need to activate my card online. When that was done. It worked and it said that my card was activated. When I went to use my credit the teller informed me that I needed to reapply. I believe that she switched my card without my knowledge to a debit based target card which I was unaware of. As I made my payments on- time and correctly according to the terms of agreements. The target customer service members would constantly tell me I owed more money and that my payments were behind. I reached out several times to Target customer service people, managers. Somehow I was informed that XXXX XXXX   was involved in my credit payment history and managing my account. They began to be managing two additional credit cards that I obtained during similar times. I was sure that the information in the brochure when I got my card said another company was the financial underwriter. XXXX XXXX began taking the payments that I would send for payment and still telling me that I was behind in the payments even though on some occasions I paid multiple times. Who is XXXX XXXX and how were they capable of intercepting my accounts so easily. The payments that were made to pay off my small balance were taken and used for large fees that they began telling me that I owed. Please inform whomever is necessary of this scam. I have paid my account in a timely manner and it was intercepted through the customer services representatives and the telephone customer service representatives that your Target stores employ. How else can I keep a good account if your customer service workers, cashiers and telephone customer services employees are unscrupulous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Im filing this complaint against American Express ( Delta Gold Sky Miles ) concerning renewal fees, interest charges and late payment fees assessed against my account. My credit card account is managed by my son. The credit card that I had with American Express was due to expire the end of XX/XX/2020, and in XXXX I made decision not to renew my card due to COVID, and not feeling safe to travel at my age of XXXX years with the free bag privileges. I paid the merchant purchases owed made in XXXX of {$61.00}, and left the unpaid balance of {$99.00} ( Annual Renewal Fee ) open. Since I didnt understand how to cancel the account on my own, I waited until my son visited me in XXXX to formally close the account over the phone since I was getting billed for the {$99.00} renewal fee. I had received a new credit card from American Express in early XXXX to replace the current one that expired, but NEVER activated it since I had no intent of using it. The remaining facts are as follows : My son made the formal call to American Express to cancel the card on XX/XX/XXXX with me at my home in Michigan. This was done with a representative named XXXX. XXXX was also asked to credit the {$99.00} renewal fee, and small interest charged assessed since I had no plans to continue the card, and that I had NEVER activated the new card upon receipt. She said since it was past the ( 30 ) days ( whatever that meant ), she couldnt remove it and would need to escalate it for review and to get it cleared. The reference number for the ticket was XXXX On XX/XX/20 seeing that nothing had taken place to credit the annual fee and late payment/interest fees on my account, my son called once again and spoke to a representative named XXXX. She said it was still being investigated, and that there should be resolution by XX/XX/XXXX. 

On XX/XX/XXXX we spoke with a representative named XXXX to inquire again the status of resolving this issue. The renewal fee, non-payment fee and interest charges now total {$130.00} as of this date, with another payment date of XX/XX/XXXX looming. The representative said the ticket was closed on XX/XX/XXXX, yet the annual fee, interest, and non-payment fee remained on the account with no communication to me after the ticket was closed. At the end of the call with the representative, he said that the situation would be taken care of and the fees would be credited back. 

On XX/XX/XXXX, I had my son check my account online again. To our amazement, nothing yet had been done by AMEX to rectify our problem, and another {$40.00} late fee had been added. The outstanding balance now is a {$170.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When the pandemic hit I signed up for Covid-19 waiver with this waiver not supposed to get fees for missing payment as payments delayed. I have tried resolving issue through company with no help.

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 2020-08-28 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

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 2020-08-28 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: AR

Complaint narrative:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

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 2020-08-28 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: AR

Complaint narrative:
I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Hi How are you doing? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus on this Federal Student Loan Nelnet. I've attempted several times to ratify the issue with student loan dept and credit bureaus and they still reporting inaccurate, unverifiable information. The balance is extremely questionable, and how ows it possible that youve reported me 90 days late with no late payments prior to that? Was the student loan servicer sued for not applying payments to consumer 's accounts correctly and i was never late nd this account is reporting incorrect and inconsistent. Each bureau reports that I was late on a different date remove for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
I have tried to solve this matter with Experian but they have decided to be non-complaint in removing this account from my report and simply did not investigate and Updated it on XXXX after my dispute.. I contacted XXXX  XXXX XXXX who confirmed in writing to that the Account Number : XXXX is under a different identity NOT MINE. I also filed a report with the IdentityTheft.gov and submitted both the written confirmation and identity theft report to experian who have failed to comply with the FCRA and just say the updated the account with is falsified. This account does not need to be updated because its not legally under my identity

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 2020-08-28 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Spoke to Ally Auto over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. Ally canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from Ally is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/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 2020-08-28 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: AR

Complaint narrative:
In XXXX of 2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XXXX XXXXXXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/2019 we send a payment of ( XXXX $ ) from XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX ( XXXX XXXX XXXX ) and the Beneficiary in XXXX XXXX  said they didnt received the payment yet, and the XXXX XXXX XXXX XXXX XXXX said they send the payment and both side refused to give me any proof The intermediate bank was JP morgan and the reference number is ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
Experian and XXXX  are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # 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 2020-08-28 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: CA

Complaint narrative:
I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.

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 2020-08-28 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:
I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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:
XXXX  and TransUnion are fraudulent on my accounts : XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Free checking bundle which consists of a Free Checking account and a saving account with First Citizens Bank. According to their marketing materials, customers are promised to " get {$300.00} when you open a Free Checking with a {$50.00} minimum opening deposit and open a saving account. '' Additional requirements include ( 1 ) establish direct deposit of at least {$1000.00} per month OR ( 2 ) make 10 debit transactions within 90 days of account opening ( see attached advertisement ). I made 11 debit card transactions, and the last transaction posted on XX/XX/XXXX. 

The {$300.00} was advertised to be paid out 120 days after customers meet the requirements which in my case was on XX/XX/XXXX. The bonus had not been deposited to my account, so I reached out to the bank via a secure message on XX/XX/XXXX. On XX/XX/XXXX, a customer service specialist named XXXX replied that I did not get the bonus because the direct deposit requirement has not been met. On XX/XX/XXXX, I replied back and explained that I met the requirement by making 10 debit card transaction within 90 days of account opening. On XX/XX/XXXX, XXXX replied using the same boilerplate answer and informed me that I did not receive the bonus because I have not met the direct deposit requirement. This signals that First Citizens Bank is not going to honor the bonus by the debit card requirement as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 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: IL

Complaint narrative:
MY EQUIFAX CREDIT REPORT # XXXX SHOWS ACCOUNT # XXXX AND ACCOUNT # XXXX WITH NO CLOSED DATE AND BALANCES ARE NOT RIGHT. I HAVE SENT IN MANY DISPUTE LETTERS AND IN RETURN ALL I GET IS IT HAS BEEN VERIFIED. ALSO 2 ADDRESSES ARE REMOVED AND THEN THEY RE APPEAR

Company response to consumer: Closed with explanation