vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion LLC. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue Transunion llc in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with Transunion the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to transunion llc.

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 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The credit company ( Commonwealth Financial ) is re-aging the debt to keep it on my credit report. The have also double-listed it on my credit report to increase the hit on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I recently looked at my credit report and was surprised to see my auto loan reporting 30 days late as of XX/XX/2020. I do not know how this could have happened and had no idea that my payment was going to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian and XXXX should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-15 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: VA

Complaint narrative:
My Costco Anywhere Visa, Citi Card was open on XX/XX/2020, with a credit limit of {$1200.00}. My balance last week was {$830.00}, and I paid {$700.00}. I discovered the weekend of XX/XX/XXXX that CITI lowered my credit limit to {$500.00}. See the explanation giving below. 
Critical Factor ( s ) Affecting Your FICO Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are essential to XXXX  Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. '' I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX TN Original Debtor IQ DATA INTERNATIONAL IN on XX/XX/2021 XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Remarks I called to attempt to verify a debt appearing on my credit report. 
1 ) Refused for two years to show desperation amount of carpet by showing when the carpet had originally been installed ( was told carpet had to be replaced when we moved out anyway when we moved in ) 2 ) Attempting to Charge me for Keys that i returned. How can i prove i returned something they don't give me a way of showing i returned it like a receipt. 

3 ) Refuse to communicate with me ( Hung up on me multiple times ) 4 ) Threatened me with Bad Credit and increasing fines due to interest.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my second attempt to resolve the issue with Capital One Bank in regards to my consumer credit transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There is a bankruptcy chapter XXXX on my file that needs to be removed because I withdraw it.

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 2021-02-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. THD/CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THD/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

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 2021-02-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
THIS ACCOUNT WAS OPEN fraudulent I AM A VICTIM OF identity THEFT AND THE COMPANY SAID MY CLAIM WAS DENIED BECAUSE MY INFORMATION MATCHED MY address, someone STOLE MY identity AND I WAS NOT THE ONE THAT OPENED THIS ACCOUNT, I HAVE SENT THIS COMPANY A COPY OF THE POLICE REPORT AND I SENT THEM A COPY OF MY FTC REPORT AND THEY ARE NOT TAKING CARE OF THIS fraudulent ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, while out of the country, I got a message that my Chime card was suspended. This was horrible timing, as it's the only card I typically take out of the country with me. When I called, I was told that it was likely a mistake and would be rectified once I sent over documentation. They were asking for the source of some transfers I'd sent over. I sent that documentation in and was then asked for proof of business ownership. Then transaction history on business sales account. Then invoice and sales summaries of my business sales account. I have sent in everything that they've asked for ( even though much of it should be confidential ) and am still getting told that my account can not be closed and the $ XXXX in the account can not be released to me. 

This is extremely problematic for multiple reasons- I can not see or access my account info at all while the account is in 'suspended ' status. Therefore, I don't know what's actually in or happening with the account. Also, the increasingly outlandish requests paired with the inability to speak to an actual person on the phone instead of via email-or have a singular account representative is scary. I don't know who I am talking to or dealing with at any given moment. One would think that if an account got to suspended status, they would assign a singular point of contact to create trust throughout the process. 

I have been with Chime for over 5 years and used to rave about how great they were but I have never experienced such disregard with any banking institution and am concerned about the validity of what Chime represents. We are now 20-days into an arbitrary suspension and nothing has been done on their end to re-allow access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is my second attempt to resolve this issue in regards to my consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXXXXXX. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue XXXX XXXX in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with XXXX  the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$920.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$280.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$420.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXXXXXX Balance Owed : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete 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 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard Collection Service is RE-aging this debt. This dept os over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This XXXX  XXXX card was opened in the year of XXXX  amount of {$460.00} of a dollar transactions made with this card involved fries XXXX XXXX XXXX XXXX XXXX Etc these were not transactions made by me and or I do not have this card this car was wrongfully filed under my name I do not have a XXXX  XXXX card I have been a victim of identity theft and or fraud before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 I have received a voicemail from Citibank that there is suspicious activity on my credit card. After checking the charges, I discovered there were numerous unauthorized charges starting with XX/XX/XXXX. I immediately called back Citibank to dispute the charges and to lock my card. I was assured to not to worry that there will be an investigation. On XX/XX/XXXX of XX/XX/2019I have received a phone call from Citibank that notified me that they will not dispute the charges and that I am responsible to pay for them. They do not want to dispute them because they charges were made using a chip. After this I decided to notify the police and have asked Citibank to provide me with a breakdown of which transactions were made using a chip and the time and place of each purchase, they had never fulfilled that request. When I went to file the police report I advised the police the reason I waited so long was because I wanted to provide them with a breakdown of everything to investigate but after numerous calls and pleads Citibank did not provide this information. Citibank kept on blaming it on anther department and after speaking to a supervisor they advised me that this information is unavailable to be shared with me. I have pleaded with Citibank again, but they keep on coming to the same conclusion. I had money stolen from my account at a Citibank location from their ATM and at that time somehow the issue was resolved, and the chip was duplicated. They do not want to acknowledge that at this instance it was possible. This was a separate matter and was resolved as I describe it in my letter to Citibank. Please help me resolve this dispute. I am a single mother, and this is a lot of money to me. I can provide a lot to my daughter with this money and instead of I need to pay it back with interest. I do not want to be harassed by collection agencies if I stop paying. Citibank threatened me I must pay them as stated in their response letter. I believe they do not respect me as their customer and did not perform their investigation to the best of their capability. Please help me. Attached is my recent correspondence with Citibank and the police report.

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 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION

Complaint narrative:
The XXXX of XX/XX/2021 I'd did a transfer using xoom ( a service of XXXX ), the amount was XXXX euros with taxes, from XXXX to XXXX, ( with the money exchange XXXX USD ), until now the money has not arrived, my family never received the money, I'm very upset because of the delay. I ask xoom and XXXX about the problem and the only answer was " upgrade problems ''. I want my money back!!

Company response to consumer: Closed with explanation