vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: SD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles. 

I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit. 

I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX. 

The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX. 

Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB. 

Please respond to my letter in writing within 30 days. 


Sincerely, XXXX XXXX Email : 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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Over the past 6 weeks, I've been trying to resolve several issues with Trans Union to no avail. When I try to view my free annual credit report, I'm given an error message that I can not get into the account with my credentials. When I try to log into the site, I can not view my credit file. I have been denied credit and don't know why because I can not view my report. I tried to log into my report through a free service with my credit union ( XXXX XXXX ) and again I get error messages that my report can not be accessed. 

I've called Trans Union, more that several times and was told that I have an error 219 - this error means that MY FILE IS MIXED WITH SOMEONE ELSE 'S FILE. HOW DOES THIS HAPPEN AND HOW SCARY to know that your life is literally in someone's hands who has erroneous information about you. Each time I call, I'm told that the someone will reach out to me within 72 hours and the problem will be fixed. As stated above, it has been six weeks of the same promise of a fix and nothing. I have provided documentation of who I am and have done everything this company has asked me for and STILL NO RESOLUTION!!! 

I was alerted that I have a late payment. I spoke with my lender and they said I DO NOT HAVE ANY LATE PAYMENTS! However, trans union sent me an alert stating this. I CAN NOT ACCESS MY REPORT TO DISPUTE!!! This is UNFAIR PRACTICES and Trans Union can be SUED, according to my credit attorney.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX2011 ACCOUNT PAID IN FULL ACCOUNT CLOSED BUT STILL SHOWS ON CREDIT REPORT AS 1 MONTH DELINQUIENT XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN IS THE ONLY CREDIT BUREAU STILL REFLECTING THIS OLD 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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with BB & T Bank in the amount of {$11000.00}. I have since resolved this issue with XXXX  ( XXXX XXXX XXXX XXXX ) who is the debt collector and I am now working with Truist Bank ( BB & T ) to make sure my case has been discharged as fraudulent.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Hi, on XX/XX/2022 Guaranteed Rate ( via XXXX XXXX ) pulled my credit report without my authorization. The broker responsible is XXXX XXXX. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act the following creditors have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 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 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 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 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 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 explanation
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This complaint is in regards to medical debt collections by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and Equifax days later to get the amount updated on my credit report, however, despite receiving full payment XXXX and XXXX refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what XXXX and XXXX have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on XXXX and XXXX website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with Equifax showing the false validation provided by XXXX. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Lowes card on the Lowes site. As soon as I hit send a message popped up saying denied. How can credit be checked in under XXXX seconds? I called the finance company to ask how it was denied within seconds and was told about a {$100.00}. XXXX gift card they were offering. I stated I was not interested and again asked about the denial within seconds. I was told by the employee on the phone that she could not look up my information unless I took the promotional offer. I hung up and I let someone in Lowes credit dept know.

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act 800loanmartXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I made my XXXX mortgage payment of {$850.00} with XXXX mortgage Loan # XXXX automatic payment on XX/XX/XXXX. I made my XXXX mortgage of {$850.00} with XXXX payment by phone on XX/XX/XXXX. The loan was moved to Citizens Bank on XX/XX/XXXX. 
My new mortgage account # XXXX showed that XX/XX/XXXX payment of {$850.00} as missing. I made my XXXX mortgage payment of {$850.00} on XX/XX/XXXX with Citizens Bank. 
I recently found out by calling XXXX mortgage and speaking to XXXX ID XXXX that the XXXX representative that took my XX/XX/XXXX payment of {$850.00} made an error applying my XXXX payment to principal only not regular payment. This phone call had Citizens bank supervisor XXXX XXXX on the call along with XXXX Customer Service rep XXXX ID XXXX. XXXX XXXX contact info is XXXX and her direct number is XXXX XXXX XXXX. 
I have made numerous phone calls to Citizens Bank mortgage customer service to correct this matter and no action has been applied. Their response is we only see your last payment on XX/XX/XXXX. I was on a joint phone call on XX/XX/XXXX with XXXX XXXX supervisor of Citizens Bank home mortgage and XXXX mortgage representative XXXX ID XXXX and they apologized for the error and promised this will be corrected ASAP. I called today XX/XX/XXXX at XXXX mortgage and they told me it can't be corrected and that Citizens Bank needs to correct this. So I am getting a lot of mis information and no corrective action for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX TER XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
1. LVNV FUNDING LLC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$260.00} is not mine however its still been fraudulently reporting on my report after I have sent in multiple disputes and police reports to dispute this fraudulent 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 2022-04-06 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: U.S. BANCORP
State: FL

Complaint narrative:
I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem

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 2022-04-06 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: Experian Information Solutions Inc.
State: FL

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 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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Sps servicing evidently bought my mortgage from original. I called for a payoff on XX/XX/XXXX and the amount was XXXX. I paid {$500.00} through my bank XXXX on XX/XX/2021 and my regular payment of {$490.00} came out on the XXXX of XXXX leaving a balance of XXXX somehow they took these payments off and added them back on the next day. They are saying I owe XXXX dollars I have a XXXX statement which show the amount due as {$1000.00}. Since then they have tried to keep taking payments from my account which I have blocked. I have called numerous times to talk about this and keep getting the same non answers and you can not talk to the same people ever. I need help this is ruining my credit. My account number XXXX and the company is Select Portfolio Servicing out of Utah. I believe they have had any complaints. Please hep me XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation