vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX card is not being reported for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MD

Complaint narrative:
XXXX XXXX XXXX card is not being reported for 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 2020-07-22 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: Lending Club Corp
State: FL

Complaint narrative:
On XX/XX/XXXX I applied to borrow XXXX from Lending Club. I had previously had a loan from them that was paid in full ( early ) and always on time. 

My credit scores are XXXX, XXXX, and XXXX. Their Adverse Action letter stated my score was XXXX. They never ran a check as far as I could tell from my credit bureau report. 

My total credit card debit is less than XXXX. 
I owe less than XXXX for my car I own my home free and clear and it is valued at nearly XXXX My bills are paid on time. The only negative thing was a foreclosure in XXXX due to a divorce. That negative will come off my report in XXXX, Otherwise my credit is excellent! 

In the application they asked my DOB - I am XXXX yrs old, and divorced. I believe I was denied this loan because of my age. I can see no other reason since nothing other than my address changed since the last loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CA

Complaint narrative:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

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 2020-07-22 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: CA

Complaint narrative:
I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I am a Victim of Identity Theft. someone Use My Personal Information Without My Authorization. Plesae block and Removed these accounts From My Credit

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My name is XXXX XXXX I am on XXXX XXXX XXXX XXXX Georgia XXXX and been waiting on my way2go debit card from gdol and haven't received it and it's almost XXXX and would like a call I called customer service no answer on more than one occasion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX closed my 2 credit cards without letting me know and they would not provide me any additional information except a generic statement. I tried calling them and talking to a manager to find out but they were no help. I have over {$600.00} in rewards points on my Barclay Arrival+ credit card and they would not let me have my points. I would like to kindly request that Barclay provides my money back to me or I will have to take this to court and fight this battle. According to their terms, all points earned on cashback are mine and they should not take my money from me that I earned and paid my bill on time for over a year. This is a terrible way for them to treat their long standing customer. I will make sure to share my experience everywhere possible because there are several other issuers that people can bank with. Not someone who steals money from their customers. They should be ashamed of themselves for stealing {$600.00} fro m their customer especially during COVID-19 when all of us need extra money possible.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: INTEGRAL RECOVERIES, INC.
State: WY

Complaint narrative:
I have received a collection notice from Integral Recoveries of XXXX, XXXX  alleging that I owe {$160.00} to Colorado Dept. of Revenue acct no XXXX for period ending XX/XX/XXXX however, I no longer live in XXXX  and filed my tax return in timely fashion with a REFUND owed to me for XXXX that XXXX  still has not paid. I was forced to retire in XX/XX/XXXX, moved to XXXX  in XX/XX/XXXX, and XXXX   took money out of my pension because they claimed I was still working in XXXX. XXXX  continued to collect tax on my pension in XXXX in violation of law but when you waste so much money as XXXX  does, then you have to harass former residents. I have never hired Integral Recoveries and owe NOTHING. They are threatening to harm my credit record which is an illegal shake down of a senior citizen, and they are fully aware of the lawless behavior of XXXX  under the direction of XXXX XXXX, former director of Colorado Dept of Revenue. Colorado has a part year exemption for income that should have applied to my pension and they FAILED to do so. I owe XXXX  NOTHING. The alleged debt does NOT detail how the debt was calculated but is clearly in error. I am requesting that Integral Recoveries cease and desist immediately, and that they be forced to pay me for my time used to respond to their false allegation of not less that {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
I disputed the XXXX XXXX with equifax waited 30 days never got a response in the mail I called equifax on the phone spoke with the repsentative would not give me information on dispute told me i got a response in the mail online my credit reports customer dispute .. but there is no action taken if the account was verified or not its XX/XX/XXXX no answer .. I also disputed XXXX XXXX  and with a 609 letter waiting to see proof that the account belongs to me i never got a responed i sent in information in XXXX XXXX and i was suppose to get a a disputed response by XX/XX/XXXX no response in the mail the loan company XXXX XXXX is a fraud account i never open or signed for i also tried to get in touch with possible finance and i cant get through to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: WA

Complaint narrative:
Since XX/XX/2020 PayPal prepaid MasterCard has erroneously blocked my access to my funds. I have been traveling abroad since XXXX of 2020, exclusively using my PayPal Prepaid MasterCard without issues. 

I always notify PayPal Prepaid MasterCard prior to, when/where I will be traveling out of the U.S. to, so that they can anticipate seeing transactions from said country of travel. I have already authenticated my account years ago, however, PayPal Prepaid MasterCard has blocked my access now that I've arrived into a different country. They are now requiring that I authenticate my account again. I've already submitted my approved forms of ID and documentation according to their list of approved documents. I was able to produce a letter from a state agency as requested in their documents list and they still refuse to relinquish the block off of my account for my usage as I'm still abroad, but now in a financial emergency, and I have been in this debacle with PayPal Prepaid MasterCard for over a week. 

They have held onto my money relentlessly and refuse me access to my money, even after I have complied fully to their prerequisites, assurance of releasing the blockage off of my account. 

I'm reaching out, as I need an intervention from another entity to get the resolve of returning my money to me as soon as possible, and allow me to successfully close my account of 3 years with PayPal prepaid Mastercard agency for good. Thank you.

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 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX XXXX TU & XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX ( XXXX  XXXX The following items are reporting incorrect status. Please correct the following items : XXXXXXXX XXXX XXXX - Date Opened : XXXX ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  XXXX ; Bal : {$0.00}

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 2020-07-22 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: CA

Complaint narrative:
I need to filed a complaint about my citi master card, i contacted them and told me to send the necessary paper work and i did step by step but they still have denied it. education that i had never received they guarantee for me to get my money back. The company is been shut down by the FTC. I paid for this training and paid it off the credit as well. i will like to get my money back.

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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a small business XXXX loan from the XXXX for XXXX on XX/XX/XXXX, to help my small business get back on track into my capital one 360 bank account. I attempted to move XXXX, on Tuesday XX/XX/XXXX to my accountants account which is my mother. I received a email that, my account has been restricted for withdrawals and I need to call in and verify information. I called capital one to verify all information needed, I verified all information and questions asked, Then I was informed that my account was turned over to a investigator that I needed to provide my business EIN number and I provided that information. I have been a account holder with capital one since XXXX and have never had a problem. My account is still restricted for withdrawals which means, I can't access my account at all I have no funds or can access any of my funds and all of my funds are in that capital one account. I have a capital one 360 not a saving account there should be no restrictions on my account. I am very disappointed in capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The debt collector frequently calls my cellphone and my workplace daily some times twice or even more than twice a day. He is very rude and always uses threatening language. 

I have significantly paid a large sum of the debt agreed on, but for just a missed payment of {$50.00} the debt collector will continuously call even when he has auto pay for collecting the debt. for a missed payment the debt collector now threatens to increase the amount I owe and also threatens to drag me to court and worst he gets so personal. 
the debt collector company is D.Scott Carruthers, Attorney, XXXX XXXX XXXX, XXXX, CA XXXX. He always calls me on this number ( XXXX ) XXXX. 

I have also come to realize that he has not sent me any document detailing this loan, All I receive is receipts of payment, no agreement of paperwork pertaining this collection has ever been sent to me. 

I request to be protected from this ruthless caller even after agreeing to a bi weekly payment of {$50.00}. the man is harassing me over both my personal phone and my workplace,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was offered care credit while at a dentist office for a procedure. At the time of the procedure the receptionist came to me while I was in the dentist chair and told me that I could apply for a credit card that would help me pay for the dental services that my current health insurance would not cover. I was not offered any information regarding the process of care credit, interest rate etc. I signed up online and would pay each month. Then out of nowhere without any notices I started receiving fees on top of fees with outrages amounts. I contacted the company and they told me it was nothing that could do. My monthly payments increased and an outrage interest was processed onto the account along with fees. It has been a few years since Ive opened this account. The account was then closed without any papers received from the company. They did not make me aware even though I was still making payments. I am now in debt with the company and I am still making payments on the closed account. The company has charged off the account and Im still making payments in full. I do not know what to do about this because I am paying way more money than what I initially agreed to. Ive done my research since this has happened and see it has happened to so many others. Care credit is deceitful and a scam of a company.

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 2020-07-22 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
Due to COVID closures I was furloughed and my boyfriend was laid off for a month and we are still not full time. I had to pay rent and other priority bills at that time and prior to missing a payment I had made multiple attempts to reach out to the credit card company to make arrangements where I was complaint and in good standing. So that a hit would not be applied to my credit. Im currently making double payments since the missed month and I would like the credit company to reconsider their recording of a missed payment since they were non responsive and didnt allow me the opportunity to be up to date with my account. 

XXXX has made no attempt to respond to my calls or my letter than I had sent in XXXX. When I call I keep getting a recording and no one will answer. How can I be a compliant card holder with a company that is non responsive. 

Requesting to remove missed payment from credit agencies.

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