vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: FL

Complaint narrative:
I submitted disputes with Transunion on XX/XX/19 and XX/XX/19. On XX/XX/19, I received a copy of my credit report and confirmation that they received my letters in XXXX. As of today, I haven't had any mail from Transunion in regards to any of the disputes. It has been over 30 days. I have a copy of all letters that were sent to Transunion.

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 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I opened an account with Ally Bank on XX/XX/2019. Acc # XXXX ( XXXX XXXX XXXX ) I deposit the check of $ XXXX to my account from my friend ( XXXX XXXX ) that owe money a while ago. The account was suspended, asking me to submitted the info Social Card, ID, Utility bill, etc2 that was already submitted to them. 

i was going back and forth between XXXX and XXXX  since my youngest daughter just gave birth and my oldest son was lived in XXXX XXXX, XXXX   They keep insist saying that they cant verify the  payment from XXXX XXXX   eventhough its clear that the check has been cleared and deposit to my account ( see proof of clearing from XXXX XXXX  ). 

My friend sent email to XXXX with the documentation of the copy of the credit card and also the remaining balance transfer check. 

Last call with the rep name XXXX ( Rep code XXXX or XXXX ) saying that they cant verified my identity and the identity of my friend and i told her, what else i can provide them in order to have this thing clear and they aid nothing, they said they in process contacting XXXX to verify the check and the XXXX  XXXX already told my friend that nothing wrong with the check and it has been cleared from their end. 

Got another call after few days and they told me they will close the account and will confiscate the money because they cant verify my identity. What else should i provide to them since i have given them all documentation under the sun that i have. 

Please 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 non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates, LLC called my spouses phone on XX/XX/2019 at XXXX am from phone number XXXX and discussed the details of my debt with him WITHOUT my consent. They disclosed the original creditor, total amount owed and their company information WITHOUT my consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm trying to put a security freeze on XXXX, Experian, and XXXX. XXXX and XXXX are no issues, they allowed me to put a freeze on the phone. Experian IS AN ISSUE. To put a freeze on them, they want me to mail my address, date of birth, social security number and 2 proofs of address to them. The letter to them is to be titled " Experion ''. If I do this, anyone who sees a letter to " Experon '' could open the letter and see all my personal information and I would be subject to identity theft which is what I'm trying to avoid. Please make them allow a phone freeze like the other 2 agencies. I did not give any of these agencies permission to hold any identity information about me in the first place.

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 2019-03-15 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX is reporting this item correctly. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2019 I authorized a {$25.00} payment from a checking account, during the payment process I accidentally used the incorrect checking account which issued a payment bounce back. Flagging my account, according to the agent I spoke with, XXXX ( Emp ID XXXX ), as a 'sensitive account '. Therefor when I make a payment it is no longer credited and posted to my account and in my available funds like it ALWAYS has been. When Speaking to XXXX she was unable to provide me with anyone I could speak to about lifting the 'sensitive account ' status, she was also unable to provide me with a duration of time as to how long my account would be a 'sensitive account ' and when 'good faith payments ' would be immediately accredited to my available funds. It is unacceptable to withhold this information from clients and unacceptable to tell clients they can not talk to an authorized employee that can help with this scenario. It is unacceptable for any company to tell a client that they will not provide them with any information at all. Simple put this is appealing and Citi bank should be disgusted with this company polocy.

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 2019-03-15 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: NJ

Complaint narrative:
Transunion, XXXX, and XXXX Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. Transunion Dispute # XXXX XXXX Dispute # XXXX XXXX Dispute # 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 2019-03-15 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: MO

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-15 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: MO

Complaint narrative:
XXXX  and Experian are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX  is reporting this item correctly. This incorrect reporting is harming my credit score.

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 2019-03-15 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: MO

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-15 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: MO

Complaint narrative:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
ERC collection agency removed a debt from XXXX XXXX XXXX and then reported it again as new. The 7 years would be this year and it would have automatically been removed. Now it started all over. XXXX XXXX XXXX said they didn't receive their equipment but I mailed it back and I was told by a customer service rep that this happens all the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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:
Turned it a couple of complaints regarding issue ... bankruptcy is a chapter XXXX for farmers not a chXXXX and was dismissed without prejudice not discharged ... 

We also received papaerwork from XXXX XXXX credit report agency ... will be attached that has removed the bankruptcy from our report gathering the same information as equifax ... only difference equifax will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
Name : XXXX XXXX SSN : XXXX Virtuoso Sourcing Group has been contacting me just about every day even though I've asked them to cease contacting me since I am currently a recent college grad and have yet to secure employment to make payments on the debt. In XX/XX/XXXX I filed a complaint in which I was told that the frequent calling would stop due to me being assigned a designated agent to handle the account which I was okay with, but it deemed to not be true as I'm still getting calls just about every day from different agents within Virtuouso Sourcing Group. Today, XX/XX/19 I verbally asked to stop receiving communication through telephone and to only be communicated by mail only, I was verbally told by the supervisor/floor lead that they would cease contacting me and when I receive employment I can call them, but I know the calls will continue so, therefore, I'm writing this complaint. I've recorded the following dates and times of their calls within the last week and a half ( my phone won't go back any further than this ) Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: NJ

Complaint narrative:
TXXXX, XXXX, and Experian Dispute with all three agency they have proof XXXX XXXX reaging this account and provided them with statements and which they have on file and will not delete from report and continue to make me do a dispute. XXXX Dispute # XXXX XXXX Dispute #  XXXX Experian Dispute # 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 2019-03-15 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:
Experian is reporting incorrectly that I am 90 plus days past due on loans with the XXXX XXXX - account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted this bureau and requested this item be fixed. The incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also PHOENIX FINANCIAL SERVICES has in fact re-aged an account the doesnt even belong to me. They failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PHOENIX FINANCIAL SERVICES. has not even tried to contact me regarding this ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: KY

Complaint narrative:
On XX/XX/2019 American coradius International refused to solve a debt collection dispute. I sent this company proof of me already paying XXXX {$52.00}. They are trying to collect a debit that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: SANTANDER BANCORP
State: MI

Complaint narrative:
I ran into trouble with my mortgage back in XX/XX/XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XX/XX/XXXX. They are reporting late 's as of XXXX  of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XX/XX/XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Immediate Credit Recovery
State: IL

Complaint narrative:
I have been trying to reach the collection agency that is over my account and try and make payment plans but I have not been able to reach them. I have left voicemails and sent emails with no one trying to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX - XXXX XXXX   XXXX XXXX Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus  and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I opened a Capital One XXXX XXXX account in XX/XX/XXXX because there was an offer ( code XXXX ) saying if I transfer {$50000.00} from other financial services company by XX/XX/XXXX, I can get {$500.00} bonus. After opening, I transferred $ XXXX from other banks to this account by XX/XX/XXXX. The terms said I will get the bonus within 60 days, but till today, the bonus is still not posted. 

I contacted Capital One, and the agent told me I had a savings account with them and I did not transfer the money within 10 days of opening. I went back and looked at the terms more closely, and did not see the requirement of " within 10 days '' at all. All I see was open the account between XX/XX/XXXX and XX/XX/XXXX, and deposit by XX/XX/XXXX, which I did. The agent also said I had a savings account, but I don't remember that as well. Whenever I logged into my Capital One account, I only saw a credit card account I have with them. That was the only account I opened with Capital One before this XXXX XXXX account.

Company response to consumer: Closed with explanation