vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 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: NJ

Complaint narrative:
There are a few accounts on my credit report I do not recognize

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 2021-07-19 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: NJ

Complaint narrative:
There are a few accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a credit card opened ( Vervant PCB ) since XX/XX/XXXX and every month I make my payments on time but on my Experian credit report it show my account but says " No payment has been reported to this account ''. Also I'm unable to see my resolved disputes as well! I've spoken to the dispute department 3 weeks ago and was told that my credit card payments are being reported every month and I also get email alerts that tell me my disputes are ready but this wasn't their issue I had to speak with the membership department to file a case for technical issues. 
I spoke to the membership department and filed 2 cases for both issues # XXXX & # XXXX which these issues were supposed to be resolved and fixed within 72 hours. It's almost a month and Experian still won't fix my issue. I spoke to several supervisors and was promised this would be fixed! The last supervisor I spoke to was extremely nasty and refused to help me her name is XXXX on XX/XX/XXXX. I asked for a refund because I pay a membership fee every month of {$24.00} and I expressed how important it was for me to have accurate information because i pay a credit repair company every month to help repair my credit and this is getting in the way of my progress. My credit repair specialist was disputing XXXX  XXXX credit card for months thinking the consumer wasn't reporting my account when the whole time it's a Experian issue. Can you please help me?

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 2021-07-19 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: DISCOVER BANK
State: CO

Complaint narrative:
In XXXX of XXXX I purchased 8 tickets at XXXX per ticket to see the Broadway show XXXX XXXX XXXX in XXXX Virginia. The show was scheduled for XX/XX/XXXX. In XXXX of XXXX the show was cancelled due to COVID19. We contacted Ticket Office and asked for a refund. However, they refused the request and offered a credit of 120 % the value of the original tickets. I reached out to my credit card company, Discover. I explained the issue. They temporarily credited the card back for the purchase. Then the card was charged again, after they sided with the merchant. This began the fight. I have provided them with numerous emails proving we requested the refund. The show was cancelled and not rescheduled. I have XXXX and was told not to travel during The pandemic. In XXXX of this year I came down with a severe XXXX in XXXX and spent 5 days in the hospital. I am currently on oxygen. I explained that I could not fly, nor could I use a credit of XXXX in live event tickets. If the original show was canceled and not reschedule, then I should be allowed to request a refund for those tickets. After 16 months of fighting and having to pay the interest, I decided to pay the balance and close the account. I have had the account for 20 years, never missed a payment, and my Credit score is an XXXX. I lost my husband and am living on a fixed income. This has caused a hardship and the credit card company will not assist in resolving the issue. This is the case number for this dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Sezzle Inc.
State: MI

Complaint narrative:
Sezzle reported 30days late on my XXXX  credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent OutsourcingXXXX has contacted me via USPS for a debt that does not belong to me. They told me that I owed this particular debt to a XXXX which is not true. How can these people be permitted to operate and send these bogus letters to people? When I called them they continued to state that I owed in excess of {$700.00} for a bill not paid. Clearly a huge mistake. While I was speaking to them I looked them up and realized that they are not a valid company. I also confirmed with XXXX that this charge is not valid.

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 2021-07-19 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: Sezzle Inc.
State: MI

Complaint narrative:
I used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: LA

Complaint narrative:
i received 2 receipts of disbursments sent out on XX/XX/XXXX but never received the checks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone calls in my credit card and reports a fraudulent claim it gets cleared up then my credit card gets cancelled and I have to wait a week to get another one. Each time a XXXX speaking person with an accent handles the complaint. I have requested XXXX  speaking Americans which are not assigned to assist me. 
I have reason to believe that the perpetrator is XXXX XXXX XXXX XXXX married name now divorced )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Zillow Group Inc.
State: TX

Complaint narrative:
I did not provide written or electronic consent to Zillow Home Loans, to authorize a Credit Hard Inquire on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
Equifax and XXXX  are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I did not provide written or electronic consent to XXXX XXXX XXXX, to authorize a Credit Hard Inquire on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Prior to covid 19 I had broken my hand and for most they could get through this me unfortunately I only have one fully functioning arm my right arm is about 99.9 % non usable that had started my late payments prior to covid I did go into a forbearance program with Mr. Cooper and at the time was never advised of certain things such as you can not have 3 loan modification nor can you refi during a forbearance program. I have tried to resolve this matter on several occasions with MR Cooper and comes to find that some mortgage info doesnt seem to be accurate which requires me to research 17 years of 3 different banks / services unfortunately with my situation I could never join the military to receive any help and there doesnt seem to be much help for others with a disability Im basically 35 thousand the cost of a new cheap car and I can receive zero help in my situation and I dont believe this is a fair act I lost family members during the covid out break and had to also be a care giver for my father that passed all Im asking is for the serviced to give me a chance to get back on track with my mortgage and they have refused to cooperate do to the guidelines that are set in place and Im pretty sure if I reach out to a law firm there will be justice there is no need for this to go any further other then corporate greed when at the end of the day they talk about something that doesnt actually exsist money its created out of thin air and we just pay the price back to inflation all I want is help this should not happen. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I viewed a website for some hand tools ; I read the reviews on the ratings, complaints and reliability. I placed my order on XXXX and billed it to my Citibank card. The order went thru, in the order statement, it stated when the order is ready I will get an e-mail from the company when the order will be shipped. To this day I do not have ANY order, documentation, and the website is gone. 
XXXX : I did not receive any type of invoice for the order ; I emailed the company and stated to cancel the order, and NEVER received any response to date. I put in a dispute with CITIBANK. ( 1 #, 2 # copy, at the top of 2 # investigation complete, Resolved-Customer Responsible XX/XX/XXXX, XXXX do not have any information from the company ) called CITIBANK on XXXX and explained what happened. 
XXXX ( 3 # ) Document States they did not receive any proof of cancellation- BIG FAT LIE, also copy was included of XXXX delivery and proof of delivery statement. I went to XXXX and showed them the shipping info, they stated this is not standard delivery documentation and the weight of the Item that I ordered ( Tools ) would have weighted XXXX and I spoke to my neighbors to see if by chance they may have received the package, all stated no and nothing has ever been stolen and also stated to the CITIBANK rep . I called again to CITIBANK, explained again to the dispute dept, the same response was youre a great customer and we will get your money back and this did not happen. 
XXXX Same statement 4 # I called back again to the dispute dept, asked for the manager of the dispute department, on hold for 3 minutes, the rep stated that they spoke with the manager and they will refund me the {$99.00}. 
XXXX I called again to the dispute dept, demanded to speak with the manager of the dispute dept, again on hold 3-5 minutes, the rep stated they spoke with the manager, they will refund me the {$99.00}, e-mail, send a letter stating the fund, again I demanded to speak with the manager and the rep would not do that. 
XXXX To Date Nothing has been refunded, no email and no letter from CITIBANK. 
I feel that CITIBANK has failed to their job, very dishonest verbal statements, Im their customer, should be represented and instead they took the vendors words. CITIBANK stated they reached out to the vendor, CITIBANK should have provided me with all the information from the vendor and I DO NOT have any information from the vendor. I checked my credit rating and it has dropped XXXX points due to all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT

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 2021-07-19 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:
On the date of XX/XX/XXXX I checked my credit score as I usually do using XXXX XXXX  on or around XXXX XXXX. My credit score with Transunion dropped 64 points. The only activity showing on my accounts was 3 payments to 3 different credit card companies. One of them being XXXX XXXX Credit Card. I then checked my credit report and XXXX XXXX Score using Transunion 's website which I am a member of. It also shows a drop of 64 points. I contacted Transunion at XXXX on XX/XX/XXXX ( Monday ), the agent ( XXXX ID : XXXX ) stated that XXXX XXXX Credit Card was reporting a balance of {$370.00} on XX/XX/XXXX and therefore my points dropped drastically. My credit is at {$550.00} and since I was using more than 30 % of my available credit I was dinged for this. I explained to her that it's incorrect and my balance is in fact {$0.00}. I asked if there was anything I could do and the only she suggested was contest my balance via a dispute with them against XXXX XXXX XXXX  Card. I did as suggested but I also mentored that this was unfair credit reporting practices and that this was going to take me 30 months to raise my credit because of this error. This complaint is against XXXX XXXX XXXX  and Transunion for unfair credit score reporting practices and providing incorrect balance updates which caused this issue. 

This complaint is on my behalf by me, XXXX XXXX. 

I can provide statements and further details if required. 

I would just like my points back as this is going to affect me buying a home eventually as well

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 2021-07-19 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: KEYCORP
State: NY

Complaint narrative:
I was reviewing my Key Bank credit card transactions on line on XX/XX/2021 and noticed that virtually all my reward points were gone. I had close to XXXX XXXX reward points that were transferred from prior Key Bank acquisitions, notably XXXX and XXXX XXXX XXXX. I had XXXX points as of XXXX, and it dropped to XXXX points on XXXX per the Key statements, which I will attach to this complaint. 

I immediately called Key Bank on their recorded lines and was give a run around for over 60 minutes. They had told me they had expired. However, I was give no notification or warning that there was an expiration of these acquired points. XXXX and XXXX XXXX points did not expire. I was told on the recorded line it was important to know these were prior acquisition points and that a supervisor would review and contact me within 48 hours. I have not received a return call to date. 

I had been savings these points for a retirement trip vacation with my wife. Had I been advised that these were to expire, I would have used them for other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is a fraudulent debt. 

I have never done business with Radius Global Solutions and I do not owe them anything. 

My identity was stolen and this collection service continuously and fraudulently marks this activity on my credit report. This collection agency of bottom feeders needs to be shut down for the incorrect information that they report to the credit bureaus.

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 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I purchased a ladder online and paid using PayPal.The seller provided falsified tracking information indicating that I had received the item ( the ladder weighs approx. XXXX lbs. and the tracking information indicated that what was delivered weighed XXXX lbs. ) and PayPal took no further action saying that the item was received. Falsified tracking seller provided as evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: PA

Complaint narrative:
I HAVE MAILED SEVERAL LETTERS AND SUBMITTED AND FTC REPORT TO TRANSUNION REGARDING FRAUDULENT INQUIRIES. EVERY TIME I CALL, THEY TELL ME THEY HAVE NOT RECEIVED THE PAPERWORK. I SENT ALL MAIL CERTIFIED AND HAVE TRACKING NUMBERS SHOWING CONFIRMATION THAT EACH LETTER WAS DELIVERED. I HAVE BEEN SENDING PAPERWORK SINCE XXXX. MY MOST RECENT LETTER WAS SENT XX/XX/2021 AND THESE INQUIRIES STILL HAVE NOT INVESTIGATED.

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 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed 2 unauthorized inquiries in my transunion report on XX/XX/2021 from XXXX XXXX. Please delete as I did not authorize or consent.

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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received an account statement from Huntington Bank - showing I have an account with them. 
I have never visited this bank. I do not want an account with them. 
I am reluctant to reach out to them knowing that they allowed an account to be opened with my information and without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via Synchrony Bank and received a negative reply. I previously had problems with Synchrony Bank via PayPal Credit just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through XXXX which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.

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