vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have continually disputed a collection from XXXX student loan collection agency to Transunion and XXXX and XXXX. Each time i dispute it, they say they verified the information as correct. NO they didn't. No payment was made on the student loans in over 18 years and yet they are allowed to keep ruining my credit by posting that i made payments in order to justify keeping it on my report. This is illegal, and i am filing a lawsuit if they are not removed. This is my last attempt to get these credit reporting companies to remove the collection account. There is a 7 year limit from the last payment made, and it has been 18 years.

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 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My account is locked and have not received a reason why. I reloaded my card as I usually do and when I kept trying to get into my account via the Serve app it kept saying basically that my Password and Username is incorrect. So I kept trying to change it to no avail because I knew that my Password and or Username was correct and couldnt understand why this was happening. So I called Serve Card Customer Service and had spoken with the Representative and had gotten of the call with XXXX at XXXX XXXX XXXX said Said that she will send it to the back office and make it urgent. They will start working on it within the next few minutes. XXXX said that they may send an confirmation via email and if they dont just call back. She said that they locked my account. I asked her why and she said she didnt know. It was no reason for my account to be locked because I reloaded it tonights s I had always done and there was no problem. So I had called back and had Spoken with XXXX @ XXXX XXXX. when the call was ended. He said that the account should be unlocked within 24 hours. He said they didnt list a reason why the account was locked. So here I am the next day without my funds being made available to me for absolutely no reason at all. Some months back I had decided to go with American Express Serve due to the good reviews and was having no problems. Now I see how they take your money and hold onto your money for no reason at all. This is an absolutely horrendous experience and no one from American Express Serve is giving me any answers or telling me why this has occurred! All I know is that I went to the store handed over my money to the Cashier and reloaded my card and now Im not able to use it because American Express Serve has mad my funds inaccessible. This is absolutely ludicrous and I am asking for my money to be made available to me and I feel that what Im asking for is just and fair. I was very happy using the American Express Serve Card until this incident happened last night onXX/XX/2020. Im not asking for much ... I only want to be able to pay bills and to be able to cover my basic expenses. I am just desperately asking to be helped in this situation and would be so grateful and thankful to have this issue resolved. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: VA

Complaint narrative:
Dyck O'neal listed numerous accounts on my credit report that does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I WAS CAUGHT UP IN A TRAVEL DEBACLE ON 2 DIFFERENT OCCASIONS WHEN THE WEATHER AND HURRICANES PROHIBITED ME FROM TRAVELING BACK TO THE UNITED STATES. 

THIS CAUSED AN EXTREME INCONVENIENCE AND PROBLEMATIC SITUATION FINANCIALLY AS I COULD NOT GET BACK HOME IN TIME TO PAY MY CREDIT CARDS AND OTHER BILLS IN MY NORMAL TIMELY FASHION. I EXPLAINED TO MY CREDITORS THAT I DIDN'T HAVE ACCESS TO PAYMENT INSTRUMENTS, BANK CARDS, ETC TO EVEN PAY ONLINE. MY CREDIT CARD COMPANIES DID NOT EVEN CARE AND THIS ALL WAS TO NO AVAIL. IN ONE CASE I ONLY MISSED THE DUE DATE BY 24 HOURS BUT THEY HAVE BEEN SO UNREASONABLE ABOUT REMOVING THE LATE FROM MY CREDIT THOUGH THEY ADMIT THEIR PROTOCOL SHOULD BE MORE FLEXIBLE IN A STATE OF EMERGENCY OR " ACTS OF GOD '' SCENARIO. THE LATES SHOULD BE REMOVED AT ONCE.

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 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Debt Counselors, LLC
State: NY

Complaint narrative:
I have received threatening letters for credit card debt totaling {$37000.00} which is a false accusation. I don't have any credit card debt. 

The website they post, www.udcamerica.com does not open and seems to be a false site. 

I have received 3 letters sent to my previous address dated XX/XX/XXXX, XXXX and XX/XX/2020. 

I would like to report this fake company making these false accusations and requesting payment to steal money from the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: NY

Complaint narrative:
As previously notified, I am a victim of identity theft, the one account that was opened XX/XX/2016 XXXX XXXX XXXX that has {$0.00} balance is nit my account and I would like it removed from my credit 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 non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Date Reported- XX/XX/2018 Consumer-LVNV FUNDING LLC Open Balance {$600.00} THIS IS NOT MY ACCOUNT. I HAVE DISPUTED NUMEROUS OF TIMES TO HAVE THIS RESOLVED AND EVEN CALLED THE COMPANY. PLEASE HAVE THIS REMOVED ASAP AS IT IS TARNISHING MY CREDIT/FICO PROFILES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: IN

Complaint narrative:
I have a XXXX XXXX account for XXXX XXXX that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both Trans Union and XXXX are reporting negative information when my account was pad in full as agreed and has a XXXX balance.

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 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
They called me in XXXX about a XXXX XXXX credit card that was in my name that someone else apparently had been paying on or never paid on. Me myself had never gotten a statement from them at my current address that I been living at forever they never contacted me on the phone about this card until XXXX and obviously I was never linked to this card or they wouldn't have contacted me at this point and I assume they got my number out of old records after XXXX XXXX sent them this information because I've done business with Midland Credit Management through other companies. XXXX XXXX never contacted me not have I ever in my life had a XXXX XXXX Credit card. I told them all of these things and they even asked me if there was someone on my family that I know of that would have used my information. Clearly if I knew that I wouldn't be having this problem but they continued to harass me they repeatly called me just recently here in XX/XX/XXXX harassing phone calls and some in late XXXX after I told them Stop calling me, I never had that card and I'm constantly working over the road as a XXXX XXXX so that gets irritating I've pretty much reconciled all of my debt since I been driving so if that was actually my card why wouldn't I have reconciled that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: IN

Complaint narrative:
I have a XXXX XXXX account for dental work that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both XXXX XXXX and Experian are reporting negative information when my account was pad in full as agreed and has a XXXX balance.

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 2020-01-26 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: NC

Complaint narrative:
My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: NC

Complaint narrative:
My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.

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 2020-01-26 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: NC

Complaint narrative:
My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.

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 2020-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this issue.

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 2020-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a transaction on my savings account with Citibank that says " Other Withdrawal '' for {$16000.00} on XX/XX/2019. I did not do this transaction. Citibank refuses to tell me ANY details about the transaction. I'm not even sure if the charge is being disputed or investigated. I've been bounced around on the phone several times. I will go in sequential order 1 ) In early called citibank to find out why they are closing my account. They said there was a fraud issue and that they would close the account and mail me the funds if I verified my address. I verified my address and they mailed me a check for only {$1600.00}. This was the money that was in the checkings account. They did not mail me the money from the savings account. 

2 ) Upon receipt of the check i called back again and asked them where is the savings account money? They told me it was going to come in a separate check. That check never came. 

3 ) On XX/XX/2019 I called Citibank back and they still refuse to tell me what is going on with this transaction. How did this transaction happen, when, where, what is it? Where did the money go? No answers. 

Citibank has my money in limbo. I want to know what is going on. Please note the following : Citibank never contacted me to inform me of ANY of this proactively. No email. No text. No phone call. I had to find out on my own by trying to access my 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 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MI

Complaint narrative:
i got a letter from penncredit in the mail saying i owe {$2000.00} for a utility bill at a address i never lived at only XXXX and lived with my parents so ive never had a utility bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: VA

Complaint narrative:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XX/XX/XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have taken Balance Transfer from Discover card at different times. I paid of the amounts as and when nearing the completion of promo expiration. Discover is showing still I owe the money on previous transfers, though the total amount i owe is less than the recent transfer, for which they collected the Initial charges. 
Looks like the payment i am making, they are taking off from the recent transfer and not closing the OLD transfer and charging me high. Not seeing similar issues with other Banks i am dealing with XXXX/XXXX XXXX. SO want to bring it to your notice if ther eis any wrong calculation procedure implemented by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: VA

Complaint narrative:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX  breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

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 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Calling after hours when returning the call their phone do not answer. please help thank you may God bless you all

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 2020-01-26 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Due to less hours in one my part time jobs i fell behind on payments

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 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dana & Pariser Co.,L.P.A.
State: OH

Complaint narrative:
I was approached after a year with a debt that I feel I dont owe. I explained this to the company and requested a debt validation ... they responded 3 days later with call us ... I then expressed my concerns and explained I paid all my debt to the company they are trying to collect for and again ask for a debt validation letter via email with no response.

Company response to consumer: Closed with explanation