vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: Credit Karma, LLC
State: MA

Complaint narrative:
I looked at my XXXX credit report with credit Karma today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why XXXX told credit karma to report something and then lie about it, I called XXXX to try and figure out what is going on with this problem and some guy told me that credit karma is reporting false information so I asked they guy how can credit karma report something false when all of the information that they report comes directly from XXXX and then the guy told me that they have a relationship with credit karma but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame credit karma for it. I will also contact credit karma and ask about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
*Provide accurate information pertaining to the Chapter XXXX bankruptcy in consumer name? 
*Provide signed document with signature from bankruptcy court consumer filed chapter XXXX bankruptcy? 
*Bankruptcy courts do not provide nor sell public information to third party companies, such as : XXXX XXXX XXXX and XXXX. 
*As required under SECTION 609 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under SECTION 611 ( a ) ( 7 ).

*Please be advised that under SECTION 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified.

* The law is very clear as to the Civil liability and the remedy available to me ( SECTION 616 & 617 ) ; Transunion failed to comply with Federal Law. I am litigious consumer and fully intend on pursuing litigation in this matter to enforce my right under the FCRA.

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 2019-05-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
On XX/XX/XXXX I called the Eppicard  to check my balance. I inquired about the last 10 transactions and eight of them were fraudulent. Upon detecting fraud looking into the last five months my account has been compromised.I had received a large lump sum deposit on for XX/XX/2019 in the amount of $ XXXX the same day a ATM withdrawal was made at a credit union 25 mins from my home that was not me and the charges continued until the XXXX of XXXX upon canceling and reporting fraud to the Eppicard  company on XX/XX/XXXX. I have had possession and still do have the card that has been frauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
In XXXX my mother was served with papers for an amount owed to XXXX XXXX XXXX in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2018 I opened a checking account with capital one 360 deposited a couple checks, they froze my account then closed my account but I still have not had access to funds in the amount of {$300.00} they say my account is closed but yet refuse to send me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
this account is in violation of the fair credit reporting act due to improper debt validation no contracts no signatures this is in violation of section 609 604 623 and maybe several others

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 2019-05-16 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: MI

Complaint narrative:
I contacted Transunion regarding inquiries on my credit report. I sent a letter directly from the creditor that placed the inquiries on my credit report as requested by Transunion representative. The letter states that they are agreeing to remove the inquiries from my credit report within 60 days ( Please see attached letter ). Transunion has failed to preform an investigation to remove these inquiries which is violating the Fair Credit Reporting Act. I would like the following inquiries removed from my credit report. XXXX XXXX XXXX VIA XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018.

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 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX XXXX Received calls from XXXX XXXX Senior Associate at Atlantic Recovery regarding an urgent matter ( I do not have any debt in collections ). Phone number shown on phone XXXX. When I researched this phone number the owner is XXXX XXXX XXXX in XXXX. XXXX 's messages said to return call at XXXX extension # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by XXXX. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this XXXX account to be removed from my credit file immediately.

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have used FICO, XXXX, and Transunion Monitoring Services, and the monitoring notifications does not match my actual report on all of the outlets. It's not even close. The notifications tell me that I have multiple collections and delinquency but on my actual report there is no collections or delinquencies. There is something wrong with the communication between Transunion and the monitoring system. Other people have said that it could possibly be a breach or a mixed file. There is someone who has the same name as me in California but she has a middle name, and I do not. I have recieved calls from the Sheriffs department and from Collection agencies that were looking for her. The only thing that the monitoring has in common is it is information being communicated from Transunion to these other monitoring outlets. I've called transunion multiple times, since the beginning of 2018, but no one is able to help me with the incorrect communication of information. They keep telling my credit report is fine, which I already know, but they dont understand that they are sending out incorrect notifications. The notifications in the monitoring systems just dont match what is on my report. For a while, everytime I saw another collections notifcation, I freaked out and ended up purchasing a report to make sure I didnt have a negative credit status. It's just so frustrating.

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 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX-year old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by Kohls. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this Kohls account to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX my mother was served with papers for an amount owed to Bank of America in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.

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 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USI Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX the USI solution called me and the man told me I had an outstanding debt. My secretary answred phone and was told to contact me she said i was in meeting and he told her very rude remarks. how she is the worst secretary and how unprofessional and it really offended her. there were prior calls to this and he told me that i owed a debt i told him to show me and he says it was year ago and he dont have all the detail and i told him then why is it not on my credit bureau  and he said well i dont know but you owe it and he says i can tell you what bank account it was linked too and i said ok tell me and he comes back on the phone and says oh i cant find it but if you send so much money we will close the account and you owe nothing. i told him i need more inforamtion and send me an email of my account and company and balnce and he said ok and never send nothing and was very rude and saying you owe this. I feel this was fraud and not true. they have been calling like everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently had a fraudulent activity show up on my credit report. I reported it to Equifax and they put a freeze on my credit account. They gave me a personal PIN number only they and I would know in case I need to access my Equifax credit information and lift the Freeze in the future in case I need someone to run a credit check, etc. After confirming my information ( including my current address, number, etc ) the Equifax agent sent the letter containing my PIN and other confidential info to a PREVIOUS address I know longer resided. Someone there opened my mail ( on accident ) and screenshot the info to me. That shows me how competent Equifax is in ensuring my information is secured!! Im currently on hold after asking multiple times for a supervisor and the name of the agent who sent the letter- its now been 35minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened a checking account on XX/XX/19. Sun Trust representative confirmed for me the {$500.00} promotion. I took care of all the requirements - 10 Debit card transactions, {$3000.00} in direct deposit and maintain {$25000.00} by XX/XX/19 Now they tell me it will take another 10 weeks to get my {$500.00} promotion.

WHY 10 WEEKS????? 

A friend of mine received her {$600.00} promotion within 48 hours from fulfilling all the requirements at XXXX. 

I am not willing to wait for 10 weeks. I need my promotional offer - {$500.00} - deposited immediately since we have met all the requirements - Acct. # ending in XXXX opened in XXXX, Ga. inside XXXX. 
Stop dragging your feet, credit my acct. with {$500.00} by end of day XX/XX/19 No more delaying tactics.

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 2019-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XX/XX/XXXX, my daughter took a look at her credit and saw that Walmart/Synchrony Bank was on her credit. I knew she was on my Walmart Credit Card, BUT as an authorized user. During that time the credit was issued by GE. 
I called Walmart and was told that she was not an authorized user but a joint user. I did not know this. When I first got this card in XX/XX/XXXX. I do not remember her signing anything. Really she was still a minor at this time. I asked Walmart if they would send me a copy of the credit application that she and I signed. I was told that it would take more then 30 days to find the application. In less than two weeks I received a letter on XX/XX/XXXX, stating that the application was a joint one and they could NOT remove her name. I called again and told them that I needed to actually see where she signed the application. On XX/XX/XXXX, I received a letter stating they could not find the application. They also said that it was paperless. On XX/XX/XXXX I received another letter saying that they needed more time to find the application. Then I got a letter from a XXXX XXXX, on XX/XX/XXXX stating that my daughter and I applied for the credit card on XX/XX/XXXX and entered into a valid agreement with Synchrony Bank. When I paid bills from Walmart the credit was NOT with Synchrony Bank it was with GE. Again, on XX/XX/XXXX, I received another letter stating that it may take them one to two billing cycles to respond to me. 
I just want my daughter 's name to be removed from the bill. A minor does not sign for a credit card. 
I want them to show proof that my daughter indeed signed the credit application with her signature being a joint user. Then I will disappear, BUT if they can not find the document then I want them to take my daughter 's name off my credit card. It seems to me that they do not have the actual application and they put my daughter on my account as a joint user. That was not MY intent! 
It is only fair that they produce this very important document.

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 2019-05-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.

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 2019-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OH

Complaint narrative:
Recently, I received the discharge of a bankruptcy proceeding, which has been in progress since XX/XX/2019 and weeks ( XX/XX/2019 ) I received an email from US Bank, with my name, personal information, and " pre approved '' code for the credit card US Bank Cash + Visa Signature Card. The offer is legitimate, and dated XX/XX/2019. The same day I applied for the offer using the code received in the email, all my data was filled, I just read, and confirmed with U.S. Bank website. 

I am aware that every credit card is subject to credit analysis, but I can not agree to receive personalized notification of " pre-approval " with personal use code to apply for a card, and be denied. 

I contacted U.S. Bank and was informed that I can only apply in 5 years after the discharge. 

I feel disappointed and frustrated, because I received a hard inquire on my transunion, and damaged my credit history. 

This offer is totally misleading, and misleads the consumer to error. It is requested providences!

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