vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: OR

Complaint narrative:
Transunion. 

Despite multiple attempts to reset my password, and attempts to contact the company, I am still unable to log in to my account. I have tried calling the company, however nobody answers the phone even after longer than 30 minute waits. I have attempted to reset my password twice since my last complain was filed, and ( again ) I have not received any password reset information. I will submit the company page below from which I try to reset my password. 

https : //membership.tui.transunion.com/tucm/loginHelp1_form.page? 

This is absurd, I am unable to login to find my credit report or to monitor my account activity after an incident when my identity was stolen in 2015. I can't reach the company, and they are somehow unable to reach me. I am beginning to wonder if this is a real company that provides any actual services whatsoever. So I am forced to use the federal watchdog agency ( CFPB - thank you for what you do ) to  even be able to reach a company representative. 

If someone from Transunion could find some time out of their day to EMAIL ME OR CONTACT ME IN A REASONABLE FASHION, MY CONTACT INFORMATION IS INCLUDED BELOW 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 explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UMPQUA HOLDINGS CORPORATION
State: FL

Complaint narrative:
XXXX XXXX is reporting a sum of {$74000.00} for my credit for a XXXX of a XXXX This XXXX was made in XX/XX/2019 by XXXX XXXX. To this date they had not taken action I believe that the time to make a report to the credit bureau has already expired. 
In Addition 18 months have passed since the repo of the Vehicle and I never sign any documents with this company.

Furthermore in all this time ( 18 months ), the Company had notsend any message or documents related to this matter. 
At this moment They not have contact me or send me any letter at respect, They report to Credit Bureau whit out contact me first. This is a consumer abuse. 
This action is affecting my credit at this moment.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this inaccurate public record on my consumer file WITH supporting documents from the source they " verified '' their information through, XXXX. XXXX has deemed the account to be unverifiable and therefore has deleted the file from my XXXX file. Months later, TransUnion continues to state that they have verified the account with XXXX as accurate. However, XXXX has repeatedly stated ( verbally and IN WRITING / these documents have also been forwarded to TransUnion ) that TransUnion has NOT contacted them to verify the account, as if they had, they would know that the account was unable to be verified as accurate. 

XXXX believes TransUnion is using an outdated and unverified report against my FCRA rights. XXXX has EXPLICITLY DENIED verbally and in writing that they have ever verified the account as accurate with any CRA after the completion of their reinvestigation, as the account is unverifiable and was subsequently deleted. On numerous occasions, multiple upper management personnel within XXXX has sent notification to TransUnion to dispute that the bankruptcy. XXXX has yet to receive any response from XXXX. I have yet to receive an acceptable lawful resolution. 

TransUnion has informed me that I need a " letter of expungement from the bankruptcy courts to have the bankruptcy removed from my file ''. The United States Bankruptcy XXXX XXXX XXXX XXXX California has informed me that TransUnion has, " given me an impossible task to complete '' because I would need to have a bankruptcy on file in order to have such bankruptcy reviewed for possible expungement. The United States Bankruptcy Court XXXX District of California has stated that they DO NOT verify bankruptcies with ANY CRA or third party vendors. 

I don't understand ... if XXXX is the source that TransUnion is using to verify this account as accurate, and XXXX has documented that the account is unverifiable and deleted, then why is TransUnion maintaining their position that the account is verified as accurate??

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 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The Credit Reporting Agency 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating  the FCRA. I was surprised when I saw XXXX XXXX on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.

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 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I received a call from Global Lending Services on XX/XX/2020 regarding a late auto payment for my vehicle. I spoke with XXXX XXXX. After informing her about my financial situation, she asked me to confirm my address. I informed her that my address is the same as before. She asked me to verbally confirm. I told her that it's the same. She asked me to tell it to her. I told her no, it's the same. Flustered, she recommended that I pay as quickly as possible, as I incur late fees daily. I asked her how much the daily fees are. She responded {$22.00} every day. I asked " EVERY day?? '' She said yes, every day. I told her that there is nothing in the contract that states that there is a {$22.00} daily late charge and that this is unacceptable. She apologized and told me that she will double check her information. She put me on a brief hold. When she came back she told me her information is wrong and that the late fee was a monthly charge. I informed her that giving me false or misleading information about a late account is really bad. She agreed and apologized. I took her information. 
I don't know if the false information was intentional or not. But as a consumer, receiving false information from a debt collector, whether on accident or on purpose, is completely inexcusable. It's her job to know how late fees work. Had I not called her out on it, she wouldn't have corrected herself. I feel that she was trying to use false information to pressure me into paying faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My most recent dispute with Experian resulted in a public record being verified. During previous disputes I have asked for supporting documents and proof to validate their decision. I stated that the public recorded that is reporting on my credit report is not mine. The previous investigation did not meet FCRA. I was not given the documents that I request to prove this was a proper and thorough investigation. I am demanding all original documents from the original furnisher such as documents containing my signature, contracts, and or signed agreements. Also Im demanding documents used to determine your decision in this investigation such as address, phone numbers, dates, times, and name of person that your company communicated with to verify such inaccurate information. I would like this information within 15 days. 
US BKPT CT TN 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 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
ATTENTION TO CREDIT ACCEPTANCE CORPORATION! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this  matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been paying XXXX  monthly to Portfolio Recovery Services. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
There were unauthorized transactions on my US Bank Reliacard throughout XXXX and XXXX, 2020. After numerous attempts to get someone from US Bank on the phone, I finally was able to file a complaint on XX/XX/2020 and subsequently sent the dispute in writing via fax as they requested. 

No provisional credit was issued within 10 days, nor was I able to get a lucid answer from any of the representatives I spoke with on the telephone. My last contact with US Bank was on XX/XX/2020 when I spoke with a supervisor who informed me that no action had been taken on the claim yet. She advised that my completed paperwork had been received on XX/XX/2020 and that an escalation would be filed to have the case processed. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Prepaid Dispute Resolution '' stating that claim number XXXX had been closed as " no error occurred ''. The date of this letter would obviously indicate that the customer service individuals with US Bank are incompetent and giving erroneous information to Pennsylvania Residents who have been forced to use the ReliaCard product during this pandemic as the claim was " closed '' three days prior to my call with a person who represented herself as a supervisor. 

I attempted to contact US Bank upon receipt of the letter via telephone - which was the method recommended - but their phone lines say to call back at another time and disconnect. 

US Bank has been negligent in their financial offering - namely, the ReliaCard - in that the cards do not have any fraud protection measures whatsoever and also no EMV chip despite an industry wide adoption of EMV technology to prevent fraud.

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 2020-10-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been paying XXXX  monthly to XXXX XXXX XXXX. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: PA

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/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
I am writing the CFPB because Flagstar has not properly investigated this account. They are not looking into any information I am providing in regard to the erroneous late remarks on my credit report. 

This company has violated RESPA as well and I need this is be properly investigated. 

This is for loan number XXXX. Property address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 
This loan transferred from XXXX XXXX  to Flagstar Bank in XX/XX/XXXX. 
In XX/XX/XXXX, I informed XXXX XXXX  of an address change as the property address your company has on file is a Rental Property and we were not residing there. 
I was told by XXXX XXXX  that the address was updated. 
XXXX XXXX  transferred the loan without my knowledge to Flagstar in XXXX. I received no welcome call, email or letter regarding this transfer. 
I spoke to a representative named XXXX from Flagstar on XX/XX/XXXX and she stated she agreed that this was a solicitation issue and they did not properly inform me of the transfer. 
Flagstar is also violating RESPA as I have 60 days to pay anyways once it has been transferred. 
Flagstar responds stating this is accurate with NO OTHER INFORMATION. I have asked multiple representatives to explain how this is accurate and they are unable to. 
This is NOT accurate information AT ALL. I asked for call transcripts to be transferred from the beginning of XXXX from XXXX XXXX  to Flagstar because Flagstar can only see calls from XX/XX/XXXX to now. 
I attached my proof from USPS that clearly shows Flagstar was sending the information to the wrong address. This is an error by XXXX XXXX  since they did not change the address when informed. Flagstar also did not properly update this information. I was NEVER informed of this transfer and Flagstar can see I have never been late on this account until they wrongfully forgot to update my address.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/2020 I applied for a XXXX XXXX credit card through Comenity Bank ; on the same day, once the account was approved, I ordered an item that qualitied me for a {$10.00} credit on my current order as well as a {$10.00} credit on my first statement. I have a screenshot of the offer. Additionally, when I received the order confirmation, it indicated I qualified for free shipping on this order ; I have the email message to this effect. 

When I received my statement last week, I found that not only was I charged shipping, neither of the promised {$10.00} credits had been applied to my account. 

I first attempted to contact XXXX XXXX via secure messaging on their website. The response directed me to call for assistance. 

I have contacted both XXXX XXXX and Comenity Bank, the issuer of the credit card/account and have been given nothing but a runaround, with Comenity Bank telling me to speak to XXXX XXXX and XXXX XXXX telling me speak to Comenity Bank. Today alone, I have spoken to TWELVE different people today trying to get this resolved and have been lectured to and hung up on by supposed 'Customer Service XXXX representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company threatened with an lawyer review. I attempted to contact this company in XXXX of 2020 through contact via phone & later through certified mail. My attempts in contacting this company was met with a returned certified letter to my home address. Again in XXXX of 2020 I sent another certified letter to this company asking to verify & validate this debt. I have yet to receive any communication from this company in regards to my second letter for verification & validation other than the threat they send me with being sued. Actions they are willing to take include, but are not limited to : Obtain a lien against my property Garnish my wages or bank accounts Obtain information about my assets.

Company response to consumer: Closed with non-monetary relief