vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: MS

Complaint narrative:
The XXXX XXXX XXXX XXXX is showing on my credit profile as derogatory and upon multiple request for validation Experian & XXXX Credit Reporting Agencies have failed to comply with FCRA laws and continue to inaccurately report this derogatory information to my credit file. As a law abiding tax paying citizen, it is undue hardship to be required to contiually exert my resources to correct this damage. There is no balance due to the XXXX XXXX XXXX XXXX or any of its collectiona agents or the XXXX XXXX XXXX on this over payment that has been inaccurately reported to my file. In addition in an even more desparate measure to remove this from derogatory burden I have not only paid the amount shown but additional fees attached and STILL to no AVAIL I received a letter from Experian stating the matter is valid and a balance still reports to my file. EVEN with attached proof and confirming with the XXXX and their collection agents who received the payment in excess of {$1000.00} dollars ( performace @ XXXX ext XXXX ) that there is no balance. What else can you do when even paying them causes such damage. I am emotionally distressed and directly damaged by this non sense that is keeping my children and family from having the home life that they so rightfully deserve. Please help if anyone is listening. See attached docs for reference ..

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I dont what these banks are thats showinh up on my credit report yall need remove it now please

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 2019-02-26 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: UT

Complaint narrative:
XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: UT

Complaint narrative:
XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited my payroll check thru the ATM at around XXXX XXXX, before their cutoff time, my payroll that it's drawn from Bank of America. I've been depositing my payroll checks from the same company thru the ATM for the past XXXX XXXX years. A hold was placed on my check the following day making the funds available until the following Tuesday the 26. I called customer service on Saturday morning and spoke to XXXX from XXXX New York to ask why there was a hold and if I can get it removed since the check is drawn from their bank and they can verify if the funds are available. She was not helpful at all, she did not give me any reason as for why she couldn't release the hold and that it didn't matter if it was drawn from Bank of America. I had no choice but to wait until Tuesday. Tuesday comes around and my funds are available but they decided to charge my accounts 2 debit transactions on Monday while charging me 2 non-sufficient funds fee of {$35.00} each. To my understanding from their agreement, all debits and credits done over the weekend and Monday, are processed on Tuesdays, So I don't understand why they decided to process my debts on Monday. Even if they wanted to process them, they could have paid them since they could see that I would have money available the next day. Now, on Monday XX/XX/XXXX before their cutoff, I went and deposited a cashiers check for {$5000.00} thru the atm and they decided to place it on hold also until XX/XX/XXXX. Now to my understanding, a cashiers check is guaranteed funds. So I called on Tuesday XX/XX/XXXX and spoke to XXXX and his manager XXXX from XXXX XXXX customer service center and asked them if they can help me and remove the hold. All I got from them was that it was still a check and it was subject to that type of hold with no regards that it was a cashier 's check. Now I have to wait a week before these funds are available with no valid explanation. while I had them on the phone I asked about the debt transactions that they processed on Monday and all I got from XXXX the manager was, " that's what came in ''. I really feel like they are not there for their customers anymore and feel like this is a XXXX XXXX kind of situation where they decide what's best for them so that they can charge fees.

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 2019-02-26 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt I do not owe for XXXX XXXX. XXXX XXXX was included in my Bankruptcy # XXXX. I have contact XXXX XXXX many times to have them fix this issue. This is in clear violation of the Bankruptcy Law Act,  and this account needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian response to account XXXX that there response on XX/XX/19 with CFPB is they cant add account. It seems Experian has error on this account being XXXX as this account I have had for several years so how is an account I'm paying monthly does not show. I have also filed with proof from XXXX XXXX XXXX statements this account is open and been open for several years. I have also filed a complaint with the US Attorney office consumer complaint to a account that is open and been open for several years and Experian refuses to show the account on there credit report as the other 2 credit bureaus show the account. Experian by law can not remove or say an account cant be added as it is an open account for several years with XXXX XXXX XXXX authorizing it I spoke to them about this problem and they say they report it to all 3 credit bureaus monthly. If the matter is not cleared up I will seek legal issues on my consumer rights on Experian. So how I'm I asking to add an account in which I'm paying monthly but Experian is in error to the account not showing and the other 2 credit buraus show the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I dont what these banks are thats showinh up on my credit report yall need remove it now please

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 2019-02-26 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: MD

Complaint narrative:
I examined my credit report during XX/XX/ 2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed 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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
This is the third time I have put this forward as it has not been resolved. I really have doubts about whether Mr XXXX actually exists. I have the second letter from XXXX but it is impossible to contact him. I have phoned from XXXX many times and left messages. No-one ever answers the phone.I have even emailed XXXX XXXX ( CEO ) twice but had no response. Why does this bank not wish to communicate with its customers?

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 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I opened an account with XXXXXXXXXXXX  sometime in 2015. The account had three lines on it. Me and my daughter and her son. Phones and phone covers were purchased. My daughter paid for this account with her personal account as we agreed. The account was paid with some for phones and some the bill. I moved to another state and my daughter continued to paid this account. No problems and never turned off. I decided to end my phone service with XXXXXXXX and kept my tablet with them that was paid by my daughter. My number was removed and with them to XXXX XXXX XXXX. I also went to XXXX and paid what was owed on my phone and tablet devices in a XXXX XXXX store. I have the receipts for this that I paid this ; XXXX for airtime and XXXX for devices. The XXXX account was still being paid by my daughter. Two phones and one tablet that was on the account. I moved back to XXXX  from XXXX  and we decided to get the XXXX account in my daughter 's name so it will belong to her for credit purpose. We went to the store and did that transfer and no balance was owe by me and my daughter took over this account and a new account was done in her name with a new number. I owed nothing. Then a few months later I got a bill saying I owe XXXX for some unknown reason and I sent the company that billed me the receipts I had. I also had someone calling and harassing me about this payment. This account is being paid by my daughter with my tablet on it and I have phone with XXXX XXXX XXXX. So how do I owe a account that is being paid for still? No evidence of what I suppose to pay for has been given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
When I attempted to get my FCRA-mandated free annual credit report from Experian, there was no way for me to save a permanent copy. I could see the report only for the few minutes it remained open in my browser. 

On Tuesday, 2019XXXX, I attempted to get my annual free credit report from Experian.com. Starting from XXXX, I was able to open the report in my browser ( XXXX XXXX  ). 

But when I attempted to print the report for my records, I found it was in an extremely condensed format. Only summary data printed. 

By clicking a large number of pale, hard-to-spot icons, I was able to open detail sections of the report. But the details were displayed using colored icons that disappeared when I attempted to print them. Only blank white space appeared. 

Nowhere on the page could I find a link for a printable or downloadable version of the report. I tried several ways of saving the web page itself, but none of them preserved the report data. 

While I was attempting to find a way to successfully save or print the data, my browser reported, " For security reasons, your session has expired. '' The report vanished from my screen. 

In summary, Experian provided me a report that could not be printed or saved, that I could only view for a short time before it was erased from my browser. Such behavior might satisfy the letter of the FCRA, but can hardly satisfy its spirit. 

I've not had such problems in the past with XXXX or XXXX reports. This is the first time I've requested an Experian 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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: MD

Complaint narrative:
I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. 
Carmax is a RIP Off. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Patenaude & Felix A Professional Corporation
State: OR

Complaint narrative:
I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Amex is not appropriately classifying a whole range of charges for 4x points on the Gold Card. Inquired about this issue on missing points multiple times and it has not been resolved. 

Below is a link to provide more details of the issue.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: AL

Complaint narrative:
XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation