vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : TeleRecovery XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX regarding this account listed on my credit report : Original : Medical Balance : {$320.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022

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 2022-04-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: LA

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : AVANTE USA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX regarding this account listed on my credit report : Original : Medical Balance : {$2000.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint about Citibank AAdvantage credit card policies. On or about XX/XX/XXXX I began having problems where my Citibank AAdvantage credit card was not being accepted at various merchants. I thought it was a defective chip issue. On XX/XX/XXXX I called Citibank AAdvantage to determine what the issue was. During the call with the automated telephonic system, I was informed that I had exceeded my credit limit. No money was due, the account was not in arrears, or a late payment due. In fact, I still had credit available of approximately {$15000.00}. 

On XX/XX/XXXX I logged on to my Citibank AAdvantage account and used the online chat option to discuss the situation with an online agent ( XXXX XXXX. Attached is the transcript of that interaction, which started at XXXX. 

Rather interesting is that there seems to be gaps in the transcript.. 

Summary of Conversation ( paraphrased ) : 1. Me : I have exceeded my credit limit? The online balance is still in the thousands of dollars. 
2. Me : A payment of {$17000.00} was made on XX/XX/XXXX. 
3. Citibank : That payment is currently being held in order to verify that it will clear your bank. 
4. Me : It cleared the bank on XX/XX/XXXX, its now XX/XX/XXXX. 
5. Citibank : Your account is on hold until XX/XX/XXXX, to make sure the payment will clear the bank. 
6. Me : Why does it take so long to process cleared funds? Does Citibank pay interest to me for use of the funds? 

I did not use the Citibank AAdvantage credit card for my international travels between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NY

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My card number was stolen and used for several transactions, I reported the transactions to my bank but they have not refunded me for the fraudulent transactions. 
- XXXX XXXX XXXX - {$20.00} XXXX XXXX GA - {$330.00} -XXXX *XXXX XXXX XXXX {$660.00XXXX XXXX XXXX XXXX XXXX DE - {$11.00} XXXX XXXX XXXX DE - {$160.00} -XXXX XXXX XXXX XXXX DE - {$71.00} -RXXXX XXXX XXXX XXXX DE - {$30.00} -XXXX XXXX XXXX XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: MN

Complaint narrative:
The company applies interest daily immediately upon a purchase being made, and this is not clearly disclosed. Most traditional credit cards charge interest only on the balance left after a payment is due. Thus, to avoid any interest being applied, you must pay off each purchase as soon as the purchase is made. 

This was not clearly communicated to me, or I would not have chosen this card. This should be very clearly communicated before the card is used. 

The online statements do not include a description of how much daily interest has accrued and obscures these financing charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022

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 2022-04-08 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: LEXISNEXIS
State: IL

Complaint narrative:
I have requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: IL

Complaint narrative:
TransUnion is reporting a closed account that hindering me to use my credit the account is credit strong

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$400.00} / XX/XX/XXXX XXXX XXXX / {$2600.00} / XX/XX/XXXX XXXX XXXX / {$450.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday the XXXX of XXXX I deposited a XXXX dollar cashier check from my tax refund at bank of America. I was told my money would have a hold but I would have XXXX available on the XXXX of XXXX and the rest on the XXXX. On the XXXX I check my account and the money has a longer hold now until the XXXX af XXXX with nothing available before then. I called the bank on the XXXX of XXXX spoke to a customer service and they said the hold was correct and unfortunately even though I was told different there was nothing to be done. They also informed me the hold could be move further up and they can hold my fund for longer than the XXXX of 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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$400.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am unable to make my monthly payments and feel that XXXX XXXX XXXX misrepresented when taking out these private loans a claim that has been approved by my borrower defense application through the Department of Education ; however, Navient disagrees and says that private loans are excluded from borrower defense and multiple agents tell me that I have no options and need to repay the loans. I feel that misrepresentation and fraud under Federal Rules 34 C.F.R. 685.206 ( c ) and/or 685.222 should apply regardless of the loan type. Navient calls me every hour for the last 45 days to make my payments which I tell them I have been going through a hardship and they do not seem to care or willing to work with me. I have had undue stress and suffered XXXX divorce because of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I received an Email and then a phone call from XXXX XXXX XXXX indicating that I owe {$890.00} for a XXXX XXXX XXXX account XXXX an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At XXXX point, I recall getting a notice regarding Indigo a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; XXXX XXXX XXXX. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: AL

Complaint narrative:
I have submitted this information multiple times. Transunion had removed this item after reviewing the supporting documentation. The item has reappeared on my credit report. Transunion is the only credit bureau that continued to put this item on my report. This bankruptcy should be deleted immediately. I have attached a letter from my attorney and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I called experience in regards to XXXX points been taken off of my credit report I explain to them that the creditors did not let me know that I owed anything and I asked them if Ive paid them already I can show proof will they put the XXXX points back onto my credit I was told yes and I also asked if I could file a complaint five hours later they took XXXX points off of my credit I have receipts showing that Ive paid off what they say the reason why they took XXXX points off of my credit was because of the credit card bills which were paid off along time ago delinquent accounts I believe that I am being discriminated 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