vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: UT

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had four accounts with them as of XXXX, XXXX ; two checking and two credit cards.

In regards to my credit cards, I never missed a payment. My payments were all on time, always. I had one card for over four years, and the other was just short of a year. 

In XX/XX/XXXX, I sign onto their app to pay my bills and see that they have disabled BOTH credit card accounts.

I made large payments on both accounts, while I waited to speak with representatives.

I talked to 3 different representatives. I was on the phone almost two hours trying to get an answer as to why the disabled my accounts. 

Finally, I was informed that it was due to a payment return. 

I was never notified or given an opportunity to make this right. 

The payments I made that were returned was a simple accident, as I confused accounts I paid my bills from. Once I realized my mistake- I corrected it ASAP ( within days ). 

I was told I violated their terms. I was a very loyal customer for years and they shut off both of my lines of credit ( without my knowledge ) over a minor mistake. It is unfair for my credit to reflect this step that they took, as I had managed my accounts perfectly prior. I never missed a payment. 

I am not happy about the way that they treated me, and how much damage they did to my credit. 

During this time, I had been working so hard to improve my credit with hopes of finally buying a home in XXXX. 

All they told me is, so sorry miss but theres nothing I can do - BYE *click* I sent so many friends and family members their way - as I loved their 360 banking model. In XXXX, I took 5 of those people from their services, once they heard about how I was treated. 

They lack in customer service. They lack in communication. They lack in empathy. 

5 thumbs DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. I will file a lawsuit ASAP!

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 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GreenSky, LLC
State: GA

Complaint narrative:
Hello, I notice a fraudulent account on my credit report around XXXX of XXXX in the name of GreenSky financial. I immediately filed the necessary paperwork for the fraudulent account, sent everything to the credit bureaus the account was removed. On XX/XX/XXXX I received an email from XXXX  alerting me about my credit report, I logged in to see Greensky added the account back to my credit report as accurate and it was a valid debt. I immediately called them, was transferred to a specialist and was told to send over the necessary documents which were the affidavit and police report. I did that the same day. I never heard from any one. The account was still reporting on all 3 credit bureaus. I sent over validation of debt again on XX/XX/XXXX and has yet to receive any paperwork. I sent another validation of debt on XX/XX/XXXX and it was received on XX/XX/XXXX and validated as accurate on XX/XX/XXXX. I still have yet to receive any paperwork from this company. I talk to a customer service representative by the name of XXXX XXXX  after giving her the information if the account number provided by my credit report, I was able to ask her if she was able to send me the original loan documents, she stated she was not in the collection department or validation of debt department so shes not so sure if they could provide that. She also stated that they may not have those documents because it was electronically and they just dont have those on file, she also stated they can not provide certain documentation due to HIPPA law. Im waiting on a XXXX to reach back out to me about this. This has been a nightmare and GreenSky has violated the FCRA by not handling the dispute properly and also failure to send me any documentation pertaining to this account. I sent the validation of debt letter to XXXX XXXX  via email today on XX/XX/XXXX. Im hoping to have this account off my credit report soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, XXXX, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.

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 2021-01-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX  have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.

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 2021-01-18 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: PDQ Services, Inc.
State: GA

Complaint narrative:
PDQ Services is reporting a debt on my credit file that I do not owe. This debt is extremely old. I have checked with my Attorney General and found out that this debt is actually past the statue of limitation in Georgia. Not only that, this account is also past the credit reporting limit. This account was never verified to me, and I do not owe this! It needs to be removed off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I make this complaint against Credit Collections Services since a few days ago I checked my credit report and saw this account, they have never sent me a bill and never notified me of this collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

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 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good afternoon, I opening a few bank accounts in XXXX of 2019 at the Downtown XXXX XXXX Citibank branch. 

After the pandemic hit in XXXX, this downtown location and my banker who opened the account was made COMPLETELY UNAVAILABLE to me.

I continued to have many many issues with my account and this caused a lot of problems for me. 

Citibank is now impossible to deal with as most banks are, as they are more focused on the PPP. 

I received the attached document that is very upsetting to me. 

When I signed up for the Citibank account in XXXX, I opted in for the promotion that if I had a minimum {$5000.00} average daily balance in the sum of all my accounts after a 6 month period. ( This was confirmed by the banker who set this up ), that I would receive a {$200.00} account bonus in my account ending in XXXX. After I waited extremely patiently and repeatedly asked for my {$200.00}, ( it ended up being 7 months after instead of 6 ), I did not get my {$200.00} bonus. I had to go into the XXXX XXXX branch in XXXX XXXX at least 2 times to beg to get this bonus. After they finally did it, I closed that final account and to never look back at citibank ever again. 

However, I get this notice now saying that I am not qualified, which is 100 % ridiculous and inaccurate. 

They are saying this account is not closed, and I do not want to be reported with bad credit to XXXX XXXX. I can not deal with citibank any longer. Please help this go away.

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 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I submitted my Venmo account for closure over concerns of fraud and security. On XX/XX/2021 I received an email from XXXX, a representative of Venmo, stating my closure was denied. My account is not overdrawn and has never been. Im unable to make any withdrawals since contacting Venmo about closing my account. It appears that they are unwilling to allow me access to my own money if I were to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY

Complaint narrative:
The Bureau of Consumer Financial Protection ( Bureau ) has reviewed repossession and servicing activities by Nissan Motor Acceptance Corporation ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent wrongfully repossessed some vehicles despite having agreements in place with consumers to prevent repossession ; ( 2 ) Respondent, through repossession agents, kept personal property that was located in consumers vehicles at the time of repossession and would not return that personal property until consumers paid a fee for its storage ; ( 3 ) Respondent, through its service provider, deprived consumers making auto-loan payments by phone of the ability to select a payment option with a significantly lower fee than the one they were XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 charged ; and ( 4 ) Respondent made a deceptive statement in its agreements to extend consumers auto loans that appeared to limit consumers bankruptcy protections. These actions violated the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
We have a credit card through XXXX XXXX XXXX XXXX with COMENITY Bank. In XXXX of XXXX, we questioned a recurring, fraudulent charge of {$39.00} to our card from a " vendor '' called XXXX XXXX XXXX. Please note that the internet is rife with complaints about these fraudulent charges and one only has to XXXX the XXXX XXXX XXXX  to read about them. The bank took our information and told us the monthly charges had actually gone back over a year. The bank said it would reverse the charges for a total of {$510.00} while it investigated the charges. We thought that was the end of the problem. 

Fast forward to today, XX/XX/XXXX. We just realized that the fraudulent charges have started up again to our account and had now posted twice a month : twice in XXXX and twice in XXXX for a total of about {$160.00}. We called the bank for help and we were told that on XX/XX/XXXX, the bank had reversed the original reversal and our card was re-charged charged for {$510.00} for some bogus credit subscription. We are now out {$670.00} for fraudulent charges with a company with which we have NEVER done business. The bank refuses to investigate further and there is no end in sight to these charges going forward. 

While we could certainly cancel our credit card and stop doing business with COMENITY, we want to get back our {$670.00} first. Please help us get our money back and do whatever it takes to put the fraudulent vendor XXXX XXXX XXXX  out of business. Clearly, many, many people have had the same charges made to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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 is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
We recently decided to refinance our home with our credit union after trying for over a year to remove our PMI with our current mortgage company. The agent that is helping us at the credit union contacted us on XX/XX/XXXX stating that our current mortgage company ( Specialized Loan Servicing ) reported on our credit that we're in a deferment and we'd need to be current on payments to proceed. Our credit report it is showing our last payment we made was XX/XX/XXXX. We have never requested assistance nor have we ever been late on our monthly payments. I contacted SLS on XX/XX/XXXX and they said they'd send an email stating that we are current on our loan and never requested the deferment. After waiting several days with no email, I contacted them back XXXX on XX/XX/XXXX XXXX. I was told we'd have an email no later than Monday XX/XX/XXXX. We never received the requested email so I contacted them back on XX/XX/XXXX. Due to heavy call volume, I was forced to do a call back for a later time. I got a return call on XX/XX/XXXX and was transferred to a relationship manager for resolution. XXXX stated that they do not send emails however, an official letter could be mailed to me stating that we aren't in a deferment and also that he was sending something to the credit report to be updated. We received two letters Saturday, XX/XX/XXXX from our mortgage company. The first letter stating that they have received our documentation as part of our request for mortgage assistance but they need more information and the second stating our account has been transferred to the customer resolution department due to potential or existing delinquency. Both letters also state that they are required by Federal law to advise us that this communication is from a debt collector. Again, we have never been late in our payments and have never requested any assistance. We've been battling this company for several months now to remove our PMI. They finally sent an appraiser to our house in XXXX and even followed up with a phone call stating it would take 30-90 days to review. I never heard anything back and every time I call customer service, nobody can help me. I was even told that I couldn't speak to a supervisor and was hung up on. I have spent countless hours trying to get resolution with this company. The false reporting to our credit was our bottom line.

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 2021-01-18 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

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