vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I literally just created an account on TransUnion ( XX/XX/2021 ) and got charged {$25.00} for their Credit Monitoring service. All I wanted was to check on an inquiry on my credit report that they have but XXXX and XXXX did not..

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 monetary relief
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

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 2021-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Around XXXX I was under a chapter XXXX which included my SunTrust Credit Card Debt. According to a XXXX XXXX Report I pulled my credit line was XXXX  out ( see attachment A ). 
Around XX/XX/XXXX/XX/XX/XXXXSunTrust opened a totally new and different account with an {$8000.00} balance and sent me a brand-new credit card and said it was a XXXX  Account Card and that I could not use it for any purpose. I called and asked for an explanation and details of charges and was told it would be mailed but it never was. SunTrust is not able to provide an explanation of charges in writing nor by phone. Over the past ten or so years I have called to dispute the charges and I was told things like If you disagree then why are you still paying on this. The last request was made XX/XX/XXXX, Request for Records # XXXX, Ive yet to receive a single statement. I requested a settlement of my unpaid debt at {$1400.00} ( 20 % ) of the balance due of about {$7500.00}, there response was {$5500.00} which is 75 % of the balance due. 

credit Card Account # : XXXX I was told that there are three other accounts ending in XXXX, XXXX, and XXXX that are attached to this account but no explanation could be given as to why. I have been paying on this debt of {$8000.00} for 14+ years, often times above the minimal requirement as my statement shows ( see attachment B and C ) the balance as of XX/XX/XXXX is {$7200.00}. 
My statement dated XX/XX/XXXX ( see attachment C ) shows that I paid {$1400.00} in financial charges in the year XXXX. Even if I only paid the minimal payment of {$140.00} for twelve months that would = {$1700.00} minus {$1400.00} in financial charges leaving {$310.00} to go toward the principal in one year alone but according to SunTrust Ive only put about {$750.00} toward the principal in 14 years. 

Credit Card Bill of Rights states Credit card companies must denote clearly on your bill how long it will take to pay off your balance when only paying the minimum amount and how much you would have to pay monthly in order to be at XXXX balance within three years. My statement does not, please see my attach monthly statement attachment B and C.

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 2021-09-09 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: WA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Applied for card XX/XX/XXXX Did not receive card in mail even though I moved mail forwarding would have sent it to new address Call 1 refused a new card told they would not send me another tell such such date Call 2 demanded a new card sent and annual fee charge removed as how am I owing and have no card!

Call 3 told no again stated I need to send proofs of me being me and address, they never updated it from the start of this Call 4 told I had to wait 14 days to get card the original they used the same excuse and never got that one This is a SCAM they charge and give you no card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank allowed a third party to cash ten ( 10 ) post-dated checks against my checking account in the amount of {$100.00} each. When I pointed out this error to them immediately, they acknowledged the mistake but said there is nothing they can do about it. This is true despite the fact that the checks all had improper dates on them on their faces. I spoke to many representatives at Citibank who could not resolve my issue. Most recently, on XXXX to someone who described himself as a manager, but who would only give his first name ( XXXX ) and employee I.D . number ( 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 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Figure Technologies, Inc
State: OH

Complaint narrative:
Applied for a XXXX loan with this place. Went through the entire process. Was approved and the final thing that need done was possible employment verification and a phone call to confirm I was who I say I was. Got a call the next day and was told my amount was reduced to XXXX. Said the income amount of XXXX was not enough for the loan amount I requested. That would have been 5 year loan, with XXXX  monthly payment. Credit score was not an issue, debt was not an issue, income was not an issue. They totally fabricated the reason they gave that my income was not enough to qualify for the XXXX. This is a total lie and not a valid reason to be denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I have been dealing with Lexington law for the longest and I was paying them for the services that they were not holding the part of the bargain. I start paying them XX/XX/2020. They never helped me at all..I have been suffering through covid and it's not fair for them to have took advantage over me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have a personal checking account with Chase bank. I have been in the XXXX for over 3 weeks and have been using my debit card without issues until I tried to make a {$1000.00} purchase. I did this while on the phone with a Chase representative who assured me that I have a {$5000.00} a day withdrawal limit. The transaction was declined multiple times. Following this I got an email about fraud on my account. After spending over 2 hours cumulatively on the phone and having my issue escalated I was told the only recourse is to show up to a physical branch with a photo ID ( not possible in a foreign country ) or call a banker whom I have a relationship with ( havent been in a branch in over a decade and do not have a dedicated banker as Im not a private banking client ) and have them vouch for me. I need access to my money but Chase refuses to independently of these two options verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text message from my brother, I'm copying and pasting it here. Someone called me to see if you were available to sign some legal documents. They said they were a courier and couldn't tell me more than that. Their telephone number is XXXX. Case number XXXX. I called and was told that they were XXXX a debt collection agency. He told me that they were going to garnish my wages if I didn't pay {$3000.00} for an old HSBC credit card from XXXX. I didn't trust the man on the phone so I started asking questions and he got angry started yelling my ss # and old address and said that he'll tell them that I want to go to court and then hung up. Ive read online and was told by XXXX XXXX XXXX XXXX that it's a scam. HSBC should be liable, sued and fined for allowing scammers to get access to people 's social security number. It's a breach of security and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: AL

Complaint narrative:
I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.

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 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I just had my new Chase XXXX Bank credit card shut down due to a massive identity theft. I finally received my credit card from Chase in XXXX and they closed my account due to an unfamiliar company recovering my information and was maliciously using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Associates, Inc. (MO)
State: OK

Complaint narrative:
The amount reported on my credit report by was paid in full ( {$830.00} ) to the XXXX XXXX XXXX. Below is a screen shot of the credit report and the Money Order sent to their po box Address.

This Money Order per US Postal shows that it was received and cashed by them. This my final notice to you and the collection agency. I will file official complaint at the Consumer Financial Bureau against XXXX and the Credit Agency. My right is being violated under the fair credit report by continued failure to update this account despite the evidence.

The collection agency -Credit Associates Inc. in XXXX XXXX , Montana has decided to report {$750.00} as amount received however, the reported debt to the credit bureau {$830.00} was paid in full to them. They claim {$87.00} owed despite evidence that {$830.00} was paid to them as full payment owed and as reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was an authorized user on this account but have since removed myself. Its been three months and they still have not reported to XXXX despite me disputing it with them.

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery which was XXXX XXXX I told them it was Identity theft and they said it was not true but the government knows my Ex did fraud in the United States and he stole my social security and used those cards I had when I left to CA to get a divorce I didnt know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed incorrect late payments and incorrect names to Experian, XXXX, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

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 2021-09-09 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I been trying to get late payments removed 5 of them from navient. They are not willing to work with me and I been in a rough situation since cov started also been on forbearance. Dates are XX/XX/2020 to XX/XX/2020 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Ace Inc
State: DE

Complaint narrative:
This is not a request for verification nor proof of my mailing address, but a request for validation made under the above name title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

- Please provide me with the following : The name and address of the original creditor, the account number, and the amount owed. 
- Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
- Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
- Please also note whether this debt is within the statute of limitations and how that was determined. 
- Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I paid off a collection as agreed for the deletion but it's still showing on my credit report account was settled on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: NY

Complaint narrative:
I have disputed incorrect late payments and incorrect names to XXXX, XXXX, and Transunion. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

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 2021-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed incorrect late payments and incorrect names to XXXX, Equifax, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove them, 1. XXXX Date of Inquiry XX/XX/ 2. XXXX XXXX Date of Inquiry XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 4. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 5. XXXX  Date of Inquiry XX/XX/ I did not consent to, or authorize nor benefit from any of the following account. Block and remove it, XXXX XXXX XXXX XXXX Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
US Dept of Education should not be on any of my credit reports. If an account is in collections how can it be 160 days late? By law they have the responsibility to delete this information since it is in accurate. This company has been violating FCRA on my behalf for years and I am at my last recourse before a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
There are several fraudulent, un verified inquiries on my Transunion credit. I have contacted all parties involved. have not been able to have them removed.

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 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PCR Group
State: MI

Complaint narrative:
I was threatened by XXXX XXXX and Account Adjustment BUR that I would be thrown in jail for not paying this debt that does not belong to me it is owed by XXXX XXXX who used my personal information fraudulently

Company response to consumer: Closed with explanation