vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion at least five times in the past two months.They have refused to correct the info on my credit report which is affecting my scores. The people working there are rude and incompetent and they are not doing their jobs. 

My credit card companies XXXX XXXX XXXX  and XXXX XXXX   have both contacted them and given them the correct balance and credit line information yet they refuse to do anything about it. I have been rushed off of the phone, hung up on and even threatened with my account being removed from their report which would affect my score. 

It has been more than 30 days since I submitted my disputes and nothing has changed even though XXXX  and XXXX  both have the correct info. This is creating a very stressful situation for me and I am very concerned as even though I have a high credit score, I need access to lines of credit and these inaccuracies and lack of up to date reporting are affecting my ability to do so.

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I issued a refund of XXXX to some one and td went in my account and took out the money 3 times. this caused my account to be overdone and i was charged multiple overdraft fee. this started in XX/XX/XXXX i went back and forth with them until they fixed it in XX/XX/XXXX. I asked the to refunded the fees that was charged to my account due to the bank error and they told me that were not going to i asked them why they said they just can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am a long time account holder at PNC bank of XXXX. My account actually predates their purchase of National City Bank ( my original servicer ) As you know there was a scandal created by " sorting and batching '' to create overdrafts. As a solution, banks like PNC promised to end the process, and they also offered people like me no fee banking. To my chagrin they unilaterally informed me a few weeks ago that my zero  fee account was no longer in effect, and I also noticed that my automatic withdrawals were suddenly shifting dates at their discretion apparently to CREATE insufficient funds status. Since then, I have had at least 3 unexpected penalties. My requests for refunds were denied and my requests for no fee checking were ignored, as were my requests for a firm date for automatic drafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Sent letter to validate. 2 times no reply after 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Switched companies and the new company XXXX had a buyout program. All forms was submitted and received to ( Diversified Consultant ) XXXX that is claiming i owe a debt. It is not my debt. I dont owe any money to this company. I have disputed this numerous times and it keeps coming back up. I still have documents pertaining to the buyout in which i believe was year 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MS

Complaint narrative:
I received a letter from Discover Card stating, ( see below ). I have never corresponded with Discover Card about a card ending in XXXX. I tried to call and speak with a representative but was unable to because of bad communication with the rep. My current Discover card account is current as of todays date and I have never had an account that ends in XXXX that I can recall. MY current account # ends in XXXX. I am a victim of fraud and identity theft. 

Discover @ Card account ending in : XXXX Dear XXXX XXXX : Thank you for your recent correspondence. We have reviewed our account records and determined that we are no longer collecting on this account. The account is closed and charged off. Due to the age of the account, it is has been removed from your credit file. 
If you have any questions, please call XXXX-DISCOVER ( XXXX ). Knowledgeable Account Managers are available to assist you 24 hours a day,7 days a week. 
Sincerely, XXXX XXXX  XXXX Per state law your debt has been extinguished and we may no longer accept payments. In addition, the trade line has been deleted from your credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 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: FL

Complaint narrative:
STATUS REPORTING DELIQ 120 DAYS AND OPEN INSTALLMENT SHOULD REFLECT REPOSSESSION EFFECTIVE DATE XXXX. 
XXXX I purchased a vehicle from XXXX XXXX XXXX. XXXX XXXX XXXX confirmed verbally XX/XX/2020 the Repossession XXXX XXXX. I never received the Repossession documents they stated were mailed out XXXX. XX/XX/2020 I requested a copy from XXXX the XXXX XXXX, he stated the company would not provided copies to me. I asked XXXX if there was a 3rd party I needed to retain to request a copy of the documents and he stated no the company would not document the repossession date. I asked why they would improperly report the repossessed account as an open installment account since XXXX and not update to document the breach of the loan and the repossession completion back in XXXX and he stated they can report recent late payments and report the account as an open installment that they are not required to report the repossession occurrence in XXXX. After filing multiple disputes with Equifax the reporting credit agency I finally spoke w a Manager MsXXXX XXXX Employer ID # XXXX who stated to me on a recorded line Greater Financial Resources is being disputed for inaccurate reporting and remove the 120 and 180 day recent late payments between XXXX and XXXX and update the status to reflect the repossession date of XXXX. Ms. XXXX stated XXXX XXXX XXXX response to their dispute on my behalf should reflect accurately once the company complies but however based on the companies multiple disputes received that they have yet to comply with I should report them to CFPB and file a formal complaint about this companies reporting practices. I have filed many CFPB complaints against the company since the start of the new year out of my pure exhaustion of receiving no help with this companies inaccurate reporting for 3 years and 11 months next month will make 4 years. Equifax recommended I file this complaint against the XXXX XXXX XXXX  for assistance in having this companies credit reporting practices investigated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am an identity theft victim. Beginning in XXXX I have had XXXX fraudulent accounts ( XXXX, XXXX XXXX XXXX XXXX ) successfully deleted from my Experian credit report due to fraud, however the accounts have been deleted and reinserted numerous time. XXXX was last deleted from my report in XX/XX/XXXX and after checking my report again I have noticed it along with XXXX XXXX have been reinserted without my knowledge. I demand these XXXX accounts be permanently deleted from my credit report as this is causing damage to my credit profile.

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 2020-01-10 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: VA

Complaint narrative:
All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof. 

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof. 

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least 25 different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

TransUnion/XXXX have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

XXXX is reporting my score 100 points less ( to creditors ) than what they are reporting to me. I have proof XXXX has pulled my credit upwards of 50 times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.

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 2020-01-10 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: VA

Complaint narrative:
All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof.

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof.

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least XXXX different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/Equifax have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

XXXX is reporting my score XXXX points less ( to creditors ) than what they are reporting to me. I have proof XXXX  has pulled my credit upwards of XXXX times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
I have a late payment posted to my account on XX/XX/2018. I have contacted the bank and have paid on time since. This is an old account that is closed. The bank Synchrony Bank.

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 2020-01-10 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I've reached out to Military Star and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : AAFES/MILITARY STAR Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/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 2020-01-10 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check. 
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ). 
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail. 
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I checked my credit report and saw two accounts that are not mine that I want removed. I am not the primary and should have not been added. I have no access to the accounts and have never had access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
Good morning, I just recently contacted National Recoveries in regards to my student loan account. It was 2 weeks ago when I found out they were going to be garnishing my wages. I'M VERY UPSET THAT I DIDN'TGET AN OPPORTUNITY TO DISSPUTE THE BALANCES THEYRE SAYING I OWE. I never received any notices from them. I set up all these different LOAN REHILBILITATION payment plans and do not have any idea where my money is going. I HAVE XXXX XXXX GARNISHING ME AND NATIONAL RECOVERIES. I have no idea where my money is going and I have XXXX agencies suing me for the same balance. THIS IS NOT FAIR and NOR IS IT LEGAL. I've called the Dept of Education, XXXX, XXXX XXXX, XXXX  and XXXX  in regards to all the inconsistencies. All I get is the run around. Having these agencies collect on loan debt is ridiculous and so unorganized. I'm upset that I was never given an opportunity to dispute balances owed that I know I don't owe. The Dept of Education should be ashamed of how theyre allowing these collection agencies abuse their name and ruin peoples lives. 
I would appreciate the opportunity to dispute balances I don't owe. I will seek legal assistance against these agencies that's garnishing my wages and misrepresenting themselves Please have someone from the Dept of Education to reach out to me. I need to know where my money is and who Ive been paying for the past 3 months. 

I NEED HELP IN GETTING THIS MATTTER RESOLVED!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
The debt collector had been harrassing me and my family. They threated to take me to court, guarnish my wages, and they even threatened to go into my sisters house to look for me. Sadly, I agreed to pay them in two payments which would take care of the debt. This account was supposed to be paid in full since 2019 but no letter or email was sent in regards to this account. I've tried many attempts to contact this company but all I have been getting is " call back tomorrow ''. 

XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00} XXXX XXXX XXXX NC Posted to account XX/XX/2019 Amount : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I checked my credit report and saw two accounts that are not mine that I want removed. I am not the primary and should have not been added. I have no access to the accounts and have never had access.

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 2020-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have recently paid off a GM financial lease and purchased at new lease through GM.

during my almost 3 yr year lease with Gm. I never had a late payment and have never had a late payment on my new current lease. 

When I purchased my new lease Gm sent me a bill to pay my last few payment left on my old lease, on my old lease my auto payments were stopped with out my knowledge and my online bill payment account was terminated. Once I received the bill I realized they had terminated my auto pay with out telling me. at that time I called Gm to make a payment to the remaining balance. they took my bank acct info and told me they would pull 4 payments out of acct.each mth. I agreed and hung up. a few mths later I received a late notice On my credit. When I contacted GM they stated they never told me they would auto bill pay each mth and said I was told to call back every mth to make a payment. this is not true and they never told me to call back each mth. they told me the payment would be taken out each mth.. they had no right to cancel my original online payments and then proceed to collect my bank acct. info to deduct payments and then not deduct the payment. when I contacted gm several times I was given the run around after receiving the 30 day late notice. They are stating the the 30 day late was not there error and they will not remove. I asked them for the recording off my originally acct and they stated they would look into it. then I called back and they stated they only keep recordings for 30 days. they also told me I can make payments online and then the next customer rep stated no ability to make payments online. I have now paid the acct off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CL Holdings LLC
State: VA

Complaint narrative:
I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX  was current including my payments. I have attempted to contact XXXX  by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system. 

My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX  because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries. 

I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it. 
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.

Company response to consumer: Closed with explanation