vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
A review of my Experian Credit report on XX/XX/XXXX, identifies inaccurate information in the " Comments '' section of the Experian report. 

Specifically, the " comments '' section of the Experian report has an annotation that reads : Account was in dispute-now resolved-reported by subscriber. Account previously in dispute - now resolved, reported by data furnisher. The comment section also identifies, in parenthesis the wording " To be used for FCRA or FCBA disputes ). 

The account referenced by Experian is a XXXX XXXX XXXX  personal automobile loan account, # XXXX, that has never been in " dispute '' at all. In fact, the monthly payments of the loan were always consistently on time and the loan was fully paid off on XX/XX/XXXX. 

XXXX XXXX XXXX  does NOT dispute the fact of MY consistent and on-time payments for the former loan, and that the account is now fully paid off without a dispute or delinquency. However, XXXX XXXX XXXX has acknowledged their ( Bank ) error in NOT reporting monthly on-time payments to the credit reporting agencies ( Experian ) during years XXXX, XXXX and XXXX. Nonetheless, Experian has reported a previous " dispute '' action in the Experian credit report. Experian 's " comment '' section is inaccurate. 

I have initiated correspondence to XXXX XXXX XXXX, advising XXXX to make prompt correspondence with Experian as a means to correct the inaccurate credit-reporting " dispute '' information. 

XXXX XXXX XXXX, as the former creditor of the consumer, had reported timely payment history to Experian as of XX/XX/XXXX, accurately identifying all payments in the past as on time and the account satisfactorily closed. Still, the " dispute '' inaccuracy is evident in my Experian file and is likely to have adverse consequence to the consumer if that inaccurate information remains on the Experian credit reporting file. 

I've attempted to contact Experian through " sign-in '' without success. In fact, Experian recently improperly charged me {$21.00} when I actually had agreed to pay Experian the sum of {$1.00} for a FICO score, only. This billing issue with Experian is separate and distinct from the Inaccurate Information issue with Experian.

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 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Synerprise Consulting. I reached out to this institution via phone # ( XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with Synerprise Consulting and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Synerprise Consulting. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

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 2020-06-15 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: IL

Complaint narrative:
A credit card from XXXX XXXX is reporting negative on my credit file. It shows me as an authorized user. I never authorized anyone to put me on their credit. They never called me for permission to use my information or anything. I have notified XXXX XXXX that this is not my account and i don't want to be on anyone 's card. However XXXX XXXX continue to report it on my credit every month with a new late payment and drop my score. I pay my bills. This is defaming my charachter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I noticed an authorized charge on my Capital One account by XXXX. I couldnt get a hold of XXXX  for weeks. When I finally got through, they were prying trying to get my email and my address. I didnt provide the info and they wouldnt tell me who and when the charge was made on my account. 
I called my card company, Capital One and notified them I didnt authorize any transaction to XXXX. Capital One never called me to verify if any of the information XXXX  had was accurate. 
Some days ago I got an email from Capital One that their investigation is concluded and XXXX is owed the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I called the company Financial Credit Network ( collection agency on behalf XXXX XXXX XXXX ) on XX/XX/2020, I was looking to find a solution for my debt with XXXX  XXXX XXXX since they suit me and is an entry judgment against me. 
I was expecting a high balance but I didnt expect over {$2000.00} in interest and legal fees, I asked for a settlement and the representative ( from Financial Credit Network ) informed me that the company wont settle for less than the original balance in lump-sum, I dont have money to make a lump sum, so I asked for a payment plan since the balance is {$10000.00}. 
I proposed {$2000.00} as down payment and the remaining in payments of {$150.00} per month since that is what I can afford, most during this COVID-19 pandemic, but the representative offered the {$2000.00} as down payment, payments of {$150.00} dollars JUST for the 3 first months and after that they will review my finances in order to change the monthly payment. At the beginning I explained to her that it sounds fine, but nothing promise that my finances will change and {$150.00} is the maximum amount I can pay every month. 
Almost at the end of the conversation the representative admitted that her company can accept {$2000.00} down, {$150.00} per month maximum for the first 6 months and after that the payment will increase the payment to {$250.00}, and the reviews will continue every 3-6months, BUT regardless the result of the review the monthly payment have will increase, she admitted the payment arrangement will not stop interest on the account and she couldnt clarify when this will end. 
The payment arrangement that Financial Credit Network is proposing is just MODERN SLAVERY, what she proposes is to review my personal finances every 3-6 months to verify I have enough money for them and later take it from me and my family needs, she propose to increase the payments EVEN when I advised I can afford {$150.00} and no more because my family needs, she propose me to pay interest over the interest ( never ending ), even she could not clarify WHEN the interest will be over. 
I HAVE to complaint about this illegal practices just because it is wrong what they are trying to do. I declined their payment arrangement because they will force me to pay more that what I can pay. This is not a refuse to pay the debt, I am asking for a payment arrangement with a fix monthly payment and a start date and end date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: WI

Complaint narrative:
I've open 3 dispute with Experian Credit Bureau, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, from a XXXX XXXX XXXX XXXX. I began to get suspicious every time results came back as " debt verified ''. Considering I've conducted my own research and realize that the company XXXX  " no longer '' report to any credit bureaus, and the account in questions is listed as " paid-off and closed ''. This was confirmed by a voice recording ( permission granted ) and was conveyed to Experian of the such and, the only response from them were XXXX XXXX verified the same account number we have on file ... are you serious. After I explain to Experian, that supervisors XXXX and several representatives stated they would send confirmation of debt. On XX/XX/XXXX, I recieved a copy of ( see attached doc ) something that look like a child went into the computer and printed, my name, a account number, NOT from original creditor..and this is what Experian says is XXXX verifiable '' information. Therefore, I questioned Experian as to the back and forth as well the validity of XXXX XXXX not being truthful. I've spoken to 15 representative since Thursday XX/XX/XXXX, requested to speak twice to speak with supervisors. Until today no feedback, today even I've called corporate to try to speak with someone on the " lack their of '' ensuring that a Credit Bureau is assuring the consumer that information is really being verified. Considering, while speaking with reps and their were loud noises, dogs barking, reps answering cell phone, no wonder why this item is STILL on my credit report. Upon submitting a " certified validation letter '' to XXXX XXXX and have communicated this to Experian for XXXX XXXX to original documentation, Experian states well they ( XXXX ) would have to delete debt off credit file. All the back and forth, with both companies it's CLEAR this debt can not be VERIFIED and I'm in this tog of war with who did, who said. Fair Debt Collection act states if debt CAN NOT be VERIFIED it MUST COME OFF!!! ... why all the " UNPROFESSIONAL '' on Experian not to uphold and delete this item. After reviewing complaints online both Experian and XXXX XXXX, have many many complaints on this same issue ... ... This is exhausting ...

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 2020-06-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Two fraudulent charges for {$11000.00} each were run through my Citi Bank MasterCard account on two consecutive days on or about XX/XX/2020. The bank put me over my authorized credit line by about {$1500.00} to pay for the second charge. I did not authorize them to do that and had they stayed within my limit, this would not have happened. I had also just made an early balance payment of about {$9000.00} the same day the charges were made. 

Nobody flagged the account despite the obvious duplicate and fraudulent charges amounting to over {$23000.00}. It was a huge mistake on the part of Citi Bank. The charges were made using an app, there is no signature. I was able to determine that the merchant was working on an unrelated fencing project on my property. He has a criminal record for fraud. The bank determined they were both fraudulent transactions and XXXX XXXX closed my case XX/XX/XXXX. I told Officer XXXX of XXXX  PD investigating the crime that the case was closed and they also closed their case. Months later I was looking for a credit balance for a refund owed to me by XXXX XXXX related to covid19 cancellation and saw that the charge had resurfaced. I called again and again and again and am told that the bank reversed the first charge and not the second charge by mistake. The merchant voluntarily reversed the first charge after I told him I was going to call the police. The police believe he reversed the first charge because theft over {$20000.00} carries with it a much stiffer penalty. I have talked to over a dozen people in the security department of Citi Bank, they all tell me the same thing and the matter remains unresolved. Security department employees include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in North America. Many more were also involved in the offshore offices. XXXX has not responded to at least three messages. 

I have nothing to show for {$11000.00}. The bank refuses to protect me and is ruining my credit. I have since incurred interest and service charges for something that was not my fault. I am being held hostage by the bank who is also in possession of funds that are payable to me. What they are doing is criminal. 

I was a client for ten years but after this failure have lost confidence in Citi. I paid my bills on time and in full. I never carry a balance. Its just unreal that a bank can get away with enabling a crime like this. The merchant is in possession of my money.

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 2020-06-15 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: ID Analytics, Inc.
State: GA

Complaint narrative:
There are two credit agencies I am reporting. I have tried to solve the matter with XXXX but have not gained a resolution. I have attempted to notifiy Sage Stream but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. SageStream reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax  reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, XXXX, nor XXXX. How does SageStream have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding LLC sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from XXXX XXXX via email for the same account, and letters from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: PA

Complaint narrative:
XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

Equifax- Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and XXXX  reports my scores are in the XXXX range. Equifax continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
We used our Citi MasterCard to pay for a cruise to celebrate our 40th anniversary. That transaction was on XX/XX/XXXX for {$7200.00} ( the remaining balance after a deposit of {$1500.00} charged to the card when the cruise was booked in XXXX ). This transaction appears on our XX/XX/XXXX credit card statement, which we paid on XX/XX/XXXX. 

We were notified by the cruise line on XX/XX/XXXX that the cruise was canceled and that they would refund the entire cost of the trip. We called Citi on XX/XX/XXXX to check our balance and the credit balance of {$8800.00} showed up, so we waited in queue a long time to speak to an agent to request a refund of that balance. We were told that it would take 10 days to get the refund. 

When we had not received the refund in 10 days, we called on XX/XX/XXXX seeking the status. We were told it was " in process '' but under a 3-day hold. When pressed as to why it was being " held '', we were told it was due to the amount of the refund and " banking regulation ''. When we asked for a citation for the " regulation '' we were told to go online to read their " terms and conditions ''. At this point we requested to speak to a supervisor. We spoke with XXXX who told us the hold was done by another " department '' but she assured us the refund would be done by XX/XX/XXXX and verified the bank routing number to use to do it by EFT. 

When we checked today, XX/XX/XXXX, the credit balance is still in our account. So we called Citi again and ended up speaking with XXXX, who said the refund is still " in process '' and when I requested to escalate to his supervisor he said there was nobody available who could do anything for me today and to give it another 48 hours to show up. 

Our complaint is : 1. The length of time it is taking to receive this refund ( or did take since it will likely have been received by the time CFPB processes this complaint ). 

2. Being told there is a " banking regulation '' that prevents faster refunds of credit balances.

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 2020-06-15 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: Synovus Bank
State: AL

Complaint narrative:
I made a payment to my Synovus Bank Visa account on XX/XX/2020 using a check drawn on XXXX XXXX. The payment amount was for {$1500.00}. I have checked with XXXX XXXX  on the phone as well as on-line that the payment was debited from my checking account on XX/XX/2020. I have given this information to the bank. I have the receipt in hand from XX/XX/2020. They refuse to give me provisional credit for the {$1500.00} even though I have provided all the required information. I should not have to wait 48 hours for credit when I have provided the documentation. They have messed me up financially at this point until they decide that I did make the payment. Synovus has said nothing about back dating the payment and crediting me with the payment as well as interest paid on the {$1500.00} for a complete billing cycle. 
If you need account numbers, copies of the receipt, copy of my XXXX  statement let me know. I can't upload a copy of the receipt because I don't have the ability to scan at home.

Company response to consumer: Closed with explanation