vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 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: AL

Complaint narrative:
My credit report has an account for XXXX XXXX and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand XXXX well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.

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 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a notice from XXXX XXXX that a credit card was opened as an " authorized user '' with XXXX XXXX. In XXXX, My ex-boyfriend, XXXX XXXX XXXX, opened the account without my knowledge. I confronted XXXX and he stated that he added me to the account as an authorized user only and doesn't know how the bank obtained my social security to put it on my credit. XXXX has charged one thing on the account and paid off the balance. Unfortunately, the only number with this bank is an electronic number without an option to close the account or speak to a human being. I have reported to Transunion that I was added to the account without my knowledge or permission. I also want to remove this bank 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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Got card XXXX no interest for 2years XXXX  XXXX tack on interest at XXXX limit XXXX nowXXXX. To date I’ve payedXXXX a month balance now XXXX there charging me 63percent what is going on

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 2019-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: NJ

Complaint narrative:
XXXX XXXX enrolled me in their program when I was going through a divorce and unemployed they gave me a predatory loan and their school was a fraud and not an accredited school which was not disclosed to me or any other students at the time of enrollment.  I had questioned them in the beginning how am I getting a loan and I dont have a job and how will I be able to make payments if you cant figure out my income right now, they told me not to worry about it . XXXX XXXX Online has been sued and been to court several times me and other students are victims of their fraud school and predatory loan practices all of what they have done is illegal . They had promised us students that with our degree and their education we would be able to get jobs which has not come to fruition because their degrees mean nothing they are not accredited . It is not ethical to charge students for a degree and education that is meaningless . I know right now their court cases going on against them as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and XXXX XXXX refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. XXXX then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX Experian and XXXX to no avail. My attorney went back and forth with XXXX for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in bankruptcy.

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 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 I made a payment in the amount of {$4300.00} online to my credit card USBank, which I paid for with my account at XXXX  XXXX XXXX. 

On XX/XX/2019, USBank deducted the same amount from my account with XXXX  XXXX XXXX. 

XX/XX/2019 I contacted Customer Service and explained that USBank owed me the {$4300.00} that they had deducted from my account. 

On XX/XX/2019 I called Customer Service to inquire about my refund. I was told that a check in the amount of {$3500.00} had been issued. When I asked why the amount was less than that they had taken from me, I was told that current charges showed on my account so they deducted these charges without my consent or permission. My account was and is in good standing, my account was not overdue and I have never been in collections.

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 2019-12-09 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: HW Holding, Inc
State: AL

Complaint narrative:
My credit report has an account for Hunter Warfield and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand English well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I applied for the XXXX XXXX card in XXXX  with a new XXXX member skymiles bonus of XXXX miles with {$3000.00} spend in the first 3 months. 

I noticed in XX/XX/2019 that I never received the skymiles in my XXXX account. I contacted American Express to find out why. The agent said he didn't know why and would open a case and I would see the skymiles added within 30 days. 

In XX/XX/2019, I still didn't see the skymiles in my account balance. I called again. This time I spoke to an agent who was incredibly rude and told me I didn't qualify for the skymiles. I asked her why and she referred me to the terms and conditions on the website. I asked to speak to her supervisor. After AN HOUR, the supervisor came on the phone and said she didn't know why I didn't get the skymiles either and would open another case to get them added. I filed a complaint regarding the agent due to her lack of knowledge and professionalism. 

Its XXXX, I don't have my skymiles and I don't want to call them again because of the amount of stress brought on by these conversations. 

I've never had a XXXX credit card in my life. I've never received a welcome bonus. I met the spend requirements to earn the skymiles bonus and I'm deeply offended at the amount of time and effort it has taken me to just get what they advertised. 

Also ridiculous I have to come to the CFPB to intervene on my behalf. 

Thank you very much for your time and assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent never contacted me about any debt that was due. They filed negative reports with XXXX, XXXX  and XXXX which negatively impacted my credit. I dispute the posting with XXXX, XXXX and XXXX. All three deleted the fraudulent posting. However, as soon as the three credit agencies resolved this, Convergent sent a demand letter claiming an amount owed to " XXXX ''. I have reached out to XXXX and they confirm that no amount is due and no amount has been due. The action that Convergent is taking is fraudulent and I fear will impact my credit. Kindly take the appropriate action against Convergent. This complaint is in reference to convergent account XXXX. 
Thank you. 
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 2019-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There are 4 parties involved. 
1. XXXX XXXX, XXXX of XXXX XXXX. 
2.Paypal 3 . XXXX XXXX XXXX financial institute which PayPal wouldn't disclose to me 4. Me the victim Paypal is the platform allowed this fraud to happen. 

XXXX XXXX 's signed lease for her company XXXX XXXX to rent my rental house. They use PayPal account XXXX to pay me rent via Paypal 's " friends and family '' category. 

After about 2 years, XXXX stoped paying rent XX/XX/2019. Eviction was filed and XX/XX/2019 county sheriff dept. performed the eviction restored the house back to me. 
Lease, writ, sheriff notice of restoration all available upon request. 

XX/XX/2019 XXXX XXXX filed dispute via Paypal to refund the XX/XX/XXXX. rent  {$2600.00}. 
PayPal immediately refunded to XXXX and made my account negative. 

I called PayPal and was told PayPal DOES NOT review this type of case even tho they claim they would. All PayPal would do is to forward my supporting documents to XXXX 's financial institute ( probably her credit card company ) which takes no interest in me and let them decide. The decision made by XXXX XXXX 's financial institute could be very biased against me! 
PayPal refuse to disclosed the name of XXXX XXXX financial institute. 

This is a financial crime committed by XXXX XXXX and her company XXXX XXXX Paypal allowed it to happen without even reviewing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-12-09 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: CA

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I received a bill from Convergent Outsourcing Inc dated XX/XX/XXXX stating a balance owed of {$210.00} with a reduced balance amount of {$100.00}. The bill was sent to an old address of mine and thus I didn't receive it till this week. 

The account number does not match my XXXX account number which I haven't used since XX/XX/XXXX. That transaction was for {$190.00} and was paid in full. I have a {$0.00} balance on my account. 

I've done some research and found others that have had a similar problem with this company. This balance is not mine so this is either a mistake, a scam or some form of identity theft.

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 2019-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In XX/XX/2019 we turned in a leased vehicle and started a new lease with GM.  They have incorrectly reported that I was 30 Days late on my credit report since XX/XX/XXXX. On XX/XX/XXXX they sent me a letter saying it was resolved. It is not resolved and when I try to reach GM Financial again it will not even let me file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 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: FL

Complaint narrative:
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2019-12-09 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: FL

Complaint narrative:
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2019-12-09 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: FL

Complaint narrative:
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a old auto loan through XXXX XXXX XXXX. the amount showing was {$160.00} unpaid and on my report as charged off, the amount is incorrect and I have had many issues with this bank, but in the end to get this removed I paid in full. I disputed the loan on all 3 credit reports and were removed by 2. Equifax had updated the account to first delinquency of XX/XX/XXXX and I had asked to remove it as its been past 7 years. the account stayed on my report and then later updated again to XX/XX/XXXX delinquency date. I had disputed this a second time and the results were loan removed off my report as of XX/XX/XXXX ... this account again was put back on my report and showing XX/XX/XXXX delinquency so I wrote certified mail my dispute and the result was " this account isn't reporting on your report ''. today I see on my credit report its on there with the same information XX/XX/XXXX delinquency and I called and they say the same thing over and over and ask if I want to disputed the account ( I have already done so 3 times ) im angry and this is being handled terribly and is effecting my ability to obtain credit im beyond frustrated and exhausted I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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 contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2019-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I need the documentation i never received. also what debt is this? Original creditor please.

Company response to consumer: Closed with explanation