vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 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:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-12 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: NY

Complaint narrative:
XXXX XXXX XXXX I was switched from a store charge to a Master Card w/o my knowledge or consent from another provider. Causing my Bill to get messed up. When I found the auto payment options messed up from my bank I filed a dispute with them and have yet to heard back. I spoke to the charge company and cleared up the past due amounts about a month ago and explained I also couldn't get into my account and didn't have a card. The took the payment fine and then magically the call was disonnected. That was over a month ago the whole time I have been locked out of my account unable to initiate automatic payments and they will not assist me to get logged into my account until I receive the credit card which they keep not sending me. The state the need the CVV code in order to help. When I ask why she just puts me on hold. This is an impossible situation. I will likely be cancelling my card. I have been a sears card holder for years. The customer service representative pretends to transfer me to a supervisor and comes back every 5 minutes to let me know that the supervisor is helping someone else. NO offer of a call back nothing. Still won't tell me why I have to wait for the new card. NO answers just a game. Still on this phone right now for over 25 minutes holding and being threatened she will disconnect the call.

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 2019-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My home mortgage was recently purchased by the company Loan Care. 

I was notified of the switch via paper mail, and was told to go online help facilitate the transfer of the account. I follow the directions perfectly but their website refused to recognized my account number, after more than a dozen phone calls and hours on hold I finally spoke with a representative that claimed my loan was too new to be in their system? I received a new loan number but that has failed to work as well. 

Due to this I can not access any information on my account, nor can I see monthly statements. I have contacted them via phone, email, and even 'snail mail ' and STILL don't have access to my account, financial details, or apparently even the correct loan number. Apparently I'm not the only person to have this problem as I have seen numerous complaints online. The only reason I'm able to tell that I'm still making payments is that money is continually drafted from my bank 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 2019-10-12 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: TN

Complaint narrative:
Complaint in re : XXXX XXXX  auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX  with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2019-10-12 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: TN

Complaint narrative:
Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX XXXX refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: TN

Complaint narrative:
Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2019-10-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This complaint is in reference to Equifax, XXXX and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Hello, Sir or Madam! 
Thank you so much for your time and kind consideration!! My friend, XXXX XXXX used the service of ZELLE to transfer the money to me, XXXX XXXX on XX/XX/XXXX. XXXX XXXX 's bank is XXXX. My bank is XXXX XXXX XXXX. I did not register my phone number with Zelle, only my email address. XXXX confirmation number is XXXX for {$1.00} and XXXX for {$1400.00}. I have contacted both bank and filed a dispute with XXXX, but XXXX is unable to help XXXX XXXX and my bank, XXXX  XXXX XXXX is stating that they never received the transfer. I have contacted ZELLE and ZELLE is asking me to contact the bank. No one is willing to take responsibility for the transfer. ZELLE should have return the money within 14 days if the number is unfound or unregister, but my friend never receive back his {$1500.00}. Please provide me the best option in order to obtain my money back of {$1500.00}. Please also let me know if I am able to provide you with any additional information. I am truly very appreciative for your time and kindness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: CA

Complaint narrative:
Transunion has placed the creditor, again, on my report, named XXXX XXXX XXXX for {$76.00} ) after they had originally deleted them off about a year ago ; when I had reported that the charge was not mine, due to fraudulent charges and identity theft. The charge does not belong to me. Transunion also took off XXXX   XXXX XXXX charge off account and added it bank to my account. I had reported to Transunion that the account had fraudulent charges that were not mine. The charges do not belong to me. 

Also, I would like to report that Transunion and the other credit reporting agencies are aware of my data/identity being stolen in the past. XXXX XXXX and XXXX has recently contacted me that my person data/identity has been breached/compromised again, by several entities. Over the last 5 years ( or more ) to current ( as recent as XX/XX/2019 by XXXX XXXX and XXXX ), it has been reported to me that my data/identity/credit had been breached by over 20 various entities. Some of entities ( past and present ) had included had included XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, college book stores, email entities ( as XXXX ), medical,  and more. They included my name, address, date of birth, credit card information, and social security number.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I deposited my {$590.00} paycheck at approximately XXXX on XX/XX/XXXX. At that time, I first started to do a mobile deposit, and the system said {$190.00} if I proceeded. So I cancelled it, went to a physical ATM, deposited there. The system told me {$95.00} would be on hold. Was fine with that. System continued to say that until approximately XXXX that night. The next day, that suddenly changed to {$390.00} being on hold until XX/XX/XXXX. I have been given a number of excuses by a " senior rep '' named XXXX that don't explain much of anything, no solution was offered, and am facing multiple overdraft charges due to being given misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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:
Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything  at all.

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 2019-10-12 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: TN

Complaint narrative:
This complaint is in reference to XXXX, XXXX and Trans Union. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

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 2019-10-12 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: TN

Complaint narrative:
This complaint is in reference to XXXX, Experian and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

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 2019-10-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
We paid a credit card off in full and when we received the new cards from the same company we never activated them. It was the XXXX Visa from XXXX. We then moved from XXXX to XXXX. I updated my address with XXXX when we moved. In XXXX of 2018 my wife tried to use the card, deciding to activate it at XXXX and we were informed it was closed. When I called XXXX they said there was an outstanding balance of {$300.00} that was three months overdue. I thought this to be impossible or fraud because we had not used the card. As it turns out, XXXX charged their annual fee to the card in XXXX of 2018 without our knowledge. XXXX, for some inexplicable reason, had us on a no contact order. So for three months late fees and interest mounted up. In XXXX, My wife paid the card in full though we were still in dispute with XXXX. In mid-XXXX 2018 XXXX admitted it was there fault and refunded all of the late fees and interest. However, they submitted derogatory information on our credit report which dropped us from an aggregate XXXX to XXXX credit score. I filed complaints with two reporting agencies. Experian was the only one to report back stating that I was correct, that the account was cleared and even though XXXX admitted their fault in the matter they refused to remove the derogatory information. When I called XXXX and finally got through to XXXX I was informed that yes, they admitted the problem with the no contact order and that they did refund all charges, but it was not their policy to remove derogatory information. Not my fault. Do know what to do from this point.

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 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This debt was originally with XXXX XXXX. 
Portfolio Recovery Associates / XXXX has violated FDCPA. They are illegally reporting incorrect information on my credit report and taking advantage of me. I never used their service. XXXX XXXX XXXX was a loan for dental work in XX/XX/15. I signed for a loan and I did not ever receive any dental services, and so I did not use the loan. I was called by the XXXX XXXX, and tried to explain this to the receptionist. It was not resolved and I did not know what to do, so I left it as it was. Later, I received collection notices and I finally got educated on disputing debts on a credit report. So, I wrote a letter to the Debt collector stating that I did not use the loan and would not be paying for services I did not receive. They sent a statement with the loan total, but not an itemized list of any services I received. I responded by writing that this statement did not prove that I received any services. Recently, I received a letter stating that the debt would be dropped if the debt collector did not respond by XX/XX/2019. I have learned my lesson since then, and have taken no other loans out. I had dental work and paid in payments and I have no other debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: The CBE Group, Inc.
State: CA

Complaint narrative:
Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have negative reporting by Bank of America which should have been removed during the loan modification because of the court findings. These negative marks date back to 2013 and proceed for approx. 4 more years. I contacted the mortgage department about the situation  and they stated that they were going to look into the situation. I offered to send them a current credit report from all three reporting agencies as supporting evidence and they refused the information. I currently have not heard back from the company for the results or any needed follow-on action or any other information at this time.

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 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Account ending XXXX & XXXX On XX/XX/2019 I spoke with XXXX about the numerous incidents in which Chase is sending questionable mail to an address Ive never resided. After speaking with XXXX about my concerns of my information being sent to another address, she recommended that I monitor my credit report. Ive contacted Chase twice by phone and given two sets of answers as to why the XXXX address continues to receive mail directed to me. 

I sent a letter on XX/XX/2019 letter directed to XXXX XXXX in reference to sending my non public information to XXXX XXXX XXXX XXXX CA XXXX. My letter was in reference to account ending in XXXX in which I am being informed of a change in my card. I did not get a response. 

Chase sent a letter to me on XX/XX/2019 confirming that my address on file was always reflected as XXXX XXXX XXXX XXXX CA XXXX. 

I sent a letter on XX/XX/2019 letter directed to Chase Bank USA,  N.A. in reference to sending a Marketing piece to XXXX XXXX XXXX XXXX CA XXXX. I did not receive a response. 

Chase sent a letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX letting me know that youve updated my address and that you also mailed a letter to my previous address Chase sent a two letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX, referencing accounts ending in XXXX & XXXX letting me know that youve updated my address and wanting me to verify the request. 

Please have someone respond in writing and assure me that my private credit card information has not been compromised based on Chases actions.

Company response to consumer: Closed with non-monetary relief