vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
discover card has failed to update my account balance with all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NV

Complaint narrative:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2020-02-27 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: AL

Complaint narrative:
I disputed an account with XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone XXXX They did not remove this account from my report and my social security number was compromised and used to open accounts in my name without my knowledge and permission. I became aware of this in XX/XX/2019 and I have been fighting this ever since. They refused to remove this fraudulent account that has nothing to do with me. 

I want it removed immediately because it is not my account and it is preventing me from getting a legitimate mortgage because it is negatively impacting my credit score.

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 2020-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX has failed to update my account balance with all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NJ

Complaint narrative:
XXXX XXXX has failed to update my account balance with all 3 credit bureaus

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 2020-02-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My parents received a call regarding purchases for a credit card they don't have. It was listed as a call from Synchrony Bank. The message said there was a purchase in excess of {$800.00} made in XXXX, Texas. My parents live in XXXX XXXX XXXX. The number shown was XXXX. I didn't call that number, just in case. I looked up the bank 's number online. The first number given, ( ( XXXX XXXX XXXX, ) turned out to be for a medical equipment company. I tried another number ( XXXX, ) and got the bank. I refused to give them social security numbers, but did oblige with my parent 's phone number, as it is not blocked. The " agent '' stated that the phone number did not correspond with any of their accounts. He told me to disregard it. I'm not sure if that is wise, because others might fall prey to this scam. This happened on Thursday, XX/XX/2020, at approximately XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA incorrectly charged me an NSF fee when I had funds in my account. I called and spoke to XXXX. I stated I never made the payment on Tuesday and on Wednesday I received an NSF fee. She says the payment was ran on Monday but I have the receipt from my payment on Tuesday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

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 2020-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Adjustments Inc
State: TX

Complaint narrative:
I was filing my taxes in XXXX of 2019 and my refund was taken by the US Dep of education. I called and they said Credit Adjustments, inc had taken the debt. I was unaware I had debt with them as the account is closed on my credit report. I called Credit Adjustments inc and tried to set up a payment plan. I told them I could not pay a lot but I would pay something every month. They asked if I was married and I said yes. They asked for his paystubs and tax info from the last year as well. I refused to give them my husband 's info it was not his debt. The total debt was {$15000.00}. He is not in the home he is deployed with the military he has no part in paying it with his income it would have been {$400.00} a month and I barely make {$100.00} a week if I can work with other personal bills. I was thrown in a panic. They then said I qualified for a {$5.00} a month plan after I refused and I have been paying that. I then found out they called my husband with out my consent I believe XX/XX/XXXX and when they did they did not say who they were or that the phonecall was being recorded. They just asked him how I make money and how much. He refused to answer because he didn't know who they were. He looked at the number and it was Credit Adjustments , inc . It has been a few months and they are calling me again. I called them back for them to tell me they had no one able to talk to me and I haven't heard from them since. I feel like their practices are unethical and I am honestly not even sure if I owe this debt! I pay for another college loan that is private and this one seems odd. Their behavior is aggressive for someone that agreed to pay and is being compliant.

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 2020-02-27 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

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 2020-02-27 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: GA

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2020 I attempted to make a payment of XXXX and instead XXXX was removed instead. I called immediately and they said to call the loan department. I called said could not send me my money because I owed. I said this was an improper payment out of my habits and payed until XX/XX/XXXX this was obviously an error they refused. I contacted the bank and they said they can not get involved in this disputes since it benefits their company. I said this is illegal it was an unauthorized transaction obviously an error and refused to take a report.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received my bill on or about XX/XX/2020. The amount of the bill was {$51.00} with a {$28.00} minimum payment and was informed that I had cash back credit of approximately {$53.00}. I paid {$20.00} on XX/XX/2020 and assumed the cash back would cover the rest. I made a {$40.00} payment around XX/XX/2020. I was charged {$30.00} for late payment on my next bill dated XX/XX/2020. My complaint is, given my balance and the cash back credit, the late fee was excessive and the minimum payment was excessive. The late fee was almost the amount of the balance and the minimum payment was more than one half of what was owed. When I contacted customer service they were more concerned with my anger than resolving my issue and refused to answer my request as to how the fee and minimum payment were computed. I could not locate a person in Synchrony Bank that I could speak to regarding their policies.

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 2020-02-27 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: TX

Complaint narrative:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
So since the company has taken over our mortgage in XX/XX/XXXX, its been a struggle to get a hold of our account manager. Everytime we come up with a large amount of money that would cover one letter sent to us, Ill call to make a payment and they tell me a different amount which is more than what we have. Ive faxed paperwork to them 3 times to get on a repayment, they say they never received one page or i cant log in to complete, the website tells me our account doesnt exist. Ive left 5 messages this week alone and wanted to make a payment in the amount paperwork received on XX/XX/XXXX said was due {$3700.00}. and when I call Im informed the amount is actually XXXX.? And they wont accept my payment. I refaxed paper work for help ( again ) yesterday and have left a message for my account manager and havent heard from them. I sent an email to another loan manager, still no reply. We received a statement in late XX/XX/XXXX and the amount due at that time was {$3000.00}, due by XX/XX/XXXX. Why wouldnt they take this large amount? Please look at the dates on the paperwork, I just received the one dated XX/XX/XXXX, last week! The one dated XX/XX/XXXX on XX/XX/XXXX! We received the statement for XX/XX/XXXX.

It would be easy for them to take our home if I didnt call, their mail department is in no hurry to get anything to us and I cant log in to our account and they wont send anything via email, except the loan modification forms. Ive asked for late charges to be added to next months mortgage? Why cant they take all the payment and add that on? How are they coming up with 3 different amounts? Why wont they call me back. We want to save our home ... We are just dumbfounded they wont take our money and just keep raising the amount for what we have to do to bring it current. We believe Fay Servicing is trying to take our home. We HAVE tried to make even partial payments just to catch up, they wouldnt accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TX

Complaint narrative:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TX

Complaint narrative:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: AR

Complaint narrative:
XX/XX/XXXX I mailed a check to US Bank to pay off the balance owed on the mortgage.

XX/XX/XXXX I called US Bank letting them know that I had received a past due notification and I was told to disregard the notice. They confirmed they had my check already and that it was just a long process to payoff a mortgage.

US Bank didn't apply the payment until end of XX/XX/XXXX causing my account to be reported as past due to my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

I was supposed to close escrow on a new home XX/XX/XXXX but when my lender pulled the last credit report these delinquencies appeared.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
The accounts and inquires listed on FTC report I had nothing to do with.

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