vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 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: NC

Complaint narrative:
My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} XXXX XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )

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 2019-04-30 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: NC

Complaint narrative:
My credit report is showing information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} Opened XX/XX/2018 -XXXX {$2900.00} XX/XX/2018 -XXXX  ( Any and all XXXX Accounts )

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 2019-04-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My step mom by the name of XXXX XXXX used my personal information to get things in her name!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION, XXXX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *XXXX  XXXX XXXX/XXXX *XXXX XXXX XXXX *XXXX XXXX   XXXX *XXXX XXXX  XXXX *XXXX XXXX XXXX XXXX-XXXX *XXXX  XXXX XXXX-XXXX  *XXXX/XXXX XXXX  XXXX INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX *XXXX   XXXX  XXXX *XXXX *XXXX  *XXXX XXXX XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX  XXXX  XXXX XXXX, FL 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 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Again Synchrony Bank has violated The Card Act of 2010 signed into law by then President Barrack Obama in 2009. Violated several previous times lowering a credit limit without prior notification. Most recent received a letter from Synchrony Bank datedXX/XX/2019 stating in part " Synchrony Bank has LOWERED ( past tense ) your credit line ''. This makes 4 violations of The Card Act which is a Federal Law. It has been treated as a civil act which should be prosecuted as a criminal act.

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 2019-04-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
XX/XX/2019 MY COMPLAINT IS ABOUT MONTHLY INTEREST RATES FOR THE LAST 6 MONTHS THE PROBLEM IS THEY ARE TO HIGH OVER 800 DOLLARS A MONTH I WAS TOLD THAT IS WHAT I SIGNED UP FOR NASTY REMARK MY CURRENT AVAILABLE LINE OF CREDIT GOES UP 200 DOLLARS A MONTH ITS A BIG DIFFERENCE NEED HELP WITH THAT THE NAME OF THE COMPANY IS XXXX THE PEOPLE INVOLVED WHO EVER PICKS UP THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX from ProCollect stating that I owe them {$340.00}. When I called them to find out why, they stated that I owe money from damages related to my having moved out of my prior apartment. I told them that there were no damages, and I never received any notification or evidence of any damages being alleged by anyone until their letter. I left the apartment in the same condition I rented it minus normal wear and tear, so I owe nothing. I emailed them my dispute of the validity of the above-referenced debt on Tue, XX/XX/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 explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received 2 letters from US Bank dated XX/XX/19 stating that effective XX/XX/2019 " In According with your Deposit Account Terms and Conditions, please be advised that we have elected to close your deposit accounts. '' No further explanation given. I had both business and personal accounts with the bank for several years, in addition to 2 credit cards. Accounts were in good standing and I have near-perfect, 800+ credit.

I went to the bank on XX/XX/19 ( That was the soonest business day I could make it to the bank I was out of the country on vacation with my family when the letter was mailed ) to collect funds as outlined in their letter and bank informed me the account had already been closed and they would MAIL my funds in 7-10 business days! I run a XXXX XXXX and having my funds confiscated in such a manner poses more than a slight inconvenience. When I tried calling the Account Closure Department after visiting the bank, they were closed. 

Furthermore, I have lost all access to online statements which I need for my records ( I don't even have a current balance ). In addition to the funds in my checking accounts ( business and personal ) I also have a pending item which will yield a credit balance of {$700.00} DUE TO ME on one of the credit cards. 

I am asking the CFPB help with the following : 1. Compel US Bank to provide a SUBSTANTIVE reason why my account ( s ) were terminated, as I strongly believe I did not violate any terms and conditions 2. Help insure my funds are returned IMMEDIATELY 3. I would like to restore access to my online statements and also be provided a closing statement ( paper copy ) 4. Make sure there is no derogatory remarks on my credit US Bank has not acted honorably, and in light of such, the decision to terminate our business relationship, I assure you is mutual, however I would really like to get my money back without further hassle or delay.

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 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
When I closed out my account at Wells Fargo Bank approximately 4 years ago, evidently I had a charge that came in after the closing for {$83.00} of which I had no idea of and had no notification of it as well. When I found out about this a couple of months ago it was because I was refused a bank account being opened for me at another bank and this showed up on my report from the bank for the reason I was denied. If you can believe it, the amount had grown to over {$800.00} with the interest that has been charged over this 4 year period and I refuse to pay the {$800.00} but I did offer to pay the {$83.00} to no avail when I called Wells Fargo to inquire! The actual person I spoke with told me the details and revealed, as stated above, that it was for {$83.00} originally but had grown to over {$800.00} because of all the interest added on by Wells Fargo!

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 2019-04-30 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: AZ

Complaint narrative:
XXXX Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on DXX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXXXXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXXXXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
JcPenny Credit Card company sent my debt to collection agency XXXX XXXX XXXX XXXX. representing Synchrony Bank. On XX/XX/XXXX I paid a payment for {$580.00} on an arranged payment plan to resolve the debt that I owed to Synchrony bank with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AZ

Complaint narrative:
I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. 

The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. 


On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. 

On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, EQUIFAX AND XXXX HAS IN ACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSE TO REMOVE OR DELETE. 

INACCURATE INFO : NAMES REPORTED *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX *XXXX , XXXX, XXXX INACCURATE ADDRESSES : *XXXX XXXX XXXX XXXX XXXX, FL XXXX *XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX INACCURATE ACCOUNTS : *DEPT OF ED/XXXX  *XXXX XXXX XXXX *XXXX   XXXX XXXX-XXXX *XXXX XXXX XXXX-XXXX *XXXX XXXX XXXX XXXX-XXXX *XXXX  XXXX XXXX-XXXX *XXXX/XXXX   XXXX XXXX-XXXX  INQUIRIES THAT ARE NOT MINE : *XXXX XXXX XXXX  *XXXX  XXXX XXXX *XXXX *XXXX *XXXX XXXX   XXXX XXXX PEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX   XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a phone call from a place saying they were attemptening to colect a debt. However I do not recall ever recieving a loan from XXXX XXXX XXXX, it is not even on my credit report. I went on there website and they can't even locate me. The so called collection company call me at my work and threatens me. THey called just today saying they would have me served at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX CREDIT Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I made a payment for XXXX with the agreement that they report the balance as settled in full and balance reported as paid or XXXX   to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

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 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Consumer Portfolio Services We can not afforad the car. 

1. We asked for lower payments denied 2. We tried to refince ... denied. 
3. We took to the car to XXXX XXXX and XXXX XXXX offered XXXX Consumer Portoflio stated that it was to low. 
4. We asked can we turn the car in AND WE WAS denied. The manager stated they have no lots to turn the car in. 
5. The car have a negativie equity balance we do not have means to pay for the car. 
6. WE ARE HAVING CHRONIC HARDHSIP! 
7. WE NEED TO TURN THE CAR ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019 my bank account was compromised which included multiple account modifications like adding mobile banking, wire transfers, and attempted use at XXXX XXXX, and adding the Zelle service. Because the {$1500.00} Zelle transaction was last, I received a fraud call in regards to a plane tick

et/travel notice I had not made. Everything was resolved swiftly on my bank but I was not aware what Zelle was til this occurred. After probing it was added to my account and in use within a few minutes of me inquiring about it. While I was contacting my bank I saw multiple attempts at transactions so I hopped to Zelle 's support to stop the transfers or find a way to report it, which their support " Please contact your
bank or credit unions support team directly for help. '' I was lucky that my fraud prevention team cause this quickly, and stop the transaction before it was processed as otherwise, it would have been a bigger headache to dispute as the charges appeared to have me " initiating it ''. I'd like the report the lack of security on their behalf because I'm not sure how to close the account I never made, and have seen other customers reporting similar behavior except they were not reimbursed or had any resolution.

-Not filing a complaint with XXXX, but only have their notification of when it initiated Zelle service . ( I have not been able to resolve or determine anything from Zelle 's support after 2 days, may take more time )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My Barclaycard Bank of Delaware MasterCard credit card account is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.

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 2019-04-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: AZ

Complaint narrative:
My XXXX XXXX  XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.

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 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau
State: MN

Complaint narrative:
Professional Service Bureau has repeatedly called me for the last several months. They have been notified fro the Minnesota Attorney General Office not to contact me. 
I answered the phone to them today and told them to stop calling me and that they had been notified by the Attorney General Office to not contact me. The woman on the phone told me they had not been notified. 
They were notified last 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 explanation
Consumer complaint received 2019-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has deleted items from my report specifically XXXX XXXX XXXX on XX/XX/2019 and XX/XX/2019 and they suddenly reappear with inaccurate info including a charge off being OPEN with monthly payments how is that even possible? Another concern is that it was deleted and reinserted without being given written notice within 5 days of the reinsertion which by law must be followed. Ive called multiple times to address the issue its not right that they can do whatever they want with MY credit file. I know i may just be a dollar sign to them but Im actually a human being to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX XXXX closed my account due to two rejected payments. The withdrawal attempts were made to the wrong checking account ending in XXXX on XX/XX/2019 and XX/XX/2019. I changed my primary payment method on XX/XX/2019 to checking account ending in XXXX. I received a confirmation email as well. When I brought this to the attention of customer service supervisor XXXX and XXXX on XX/XX/2019 I was told there is nothing they can do and the credit account can't be reopened. I then spoke with Operation Manager XXXX via chat on the company site and was told the same thing after offering evidence of payment method change prior to rejected payment attempts. The closing of the account has negatively affected 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 explanation