vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-05 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:
This account was previously removed by all three credit agencies XXXX, XXXX and experian.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceLXXXX   account # 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 2019-05-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
First I was having problems with XXXX and XXXX. After reporting them so much now its Experian. To many false addresses I Dispute them and nothing happens. XXXX XXXX was removed from my credit report. Now its back on there they are falsely reporting my credit card with the wrong credit limit also. My credit limit is XXXX not 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 2019-05-05 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: CT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX 's XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, Equifax, and XXXX ) all have inaccuracies still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: CT

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXXXXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXXXXXX XXXX mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( Experian, XXXX, and XXXX ) all have inaccuracies still listed.

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 2019-05-05 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: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My account was transferred from XXXX XXXX to SPS in XXXX XXXX. Due to unforeseen circumstances, I requested a deferral for the months of XXXX - XX/XX/XXXX, with the first payment set for XX/XX/XXXX on automatic draft. This request was fulfilled and I was informed by the agent that I would not have a late fee reported for the months of XXXX, but yet I had a late fee reported to the credit bureau. This late report with a new mortgage company is impacting my ability to refinance my primary mortgage and consolidate my loans/bills. It is also impacting my FICO credit score of which I am working diligently to improve. 

I would like the report removed and a letter in writing from the company so that I can continue to repair my credit and improve my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCHRONY BANK/CARE CREDIT GAVE ME A LIMIT OF XXXX AND LATER REMOVED THE LIMIT A YEAR LATER GIVING ME XXXX ONLY. THEY ARE SAYING THEY PULLED MY CREDIT AND MY SCORE DECREASE. I DID NOT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT FILE. I ONLY GET CREDIT REPORTS THROUGH XXXX/XXXX  AND NOT XXXX. THE COMPANY IS DOING ME WRONGFULLY. I HAVE ALSO PAID MY BILLS ON TIME.

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 2019-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019, I transferred ~ $ XXXX from my bank account in XXXX to my citi bank account in XXXX XXXX XXXX XXXX, XXXX, Il, XXXX. This is the third time in two years I have been transferring money from my XXXX bank account to my Citi bank account as I am a current XXXX student and I need to pay for my tuition ( the bank obviously knew that ). This money transfer triggered a reaction where Citi decided to close my bank account. They never informed me about that! Nor did they inform the branch! I only found out about it after one of my rent payments bounced back. 
Ever since that day, it has been over a month (!!! ) now, I HAVEN'T RECEIVED MY MONEY. Citi have decided to " send me a check with my money ''. But, this is in fact not true. 
On XX/XX/XXXX I tried reaching my branch, while I was still in XXXX. The branch couldn't help me and told me to talk to customer service. I did so, and they told me to talk to my branch. On XX/XX/XXXX I walked to my branch and talked to XXXX XXXX, a personal banker in the branch. She couldn't assist me and told me that she had nothing to do but that she would check it and give me a call. Citi HAVE NEVER EVER CALLED ME OR INITIATED REACHING OUT TO ME AT ANY POINT OF THIS 1-MONTH HIDEOUS PROCESS. XXXX never called me back and customer service couldn't help me. I then approached the branch XXXX, XXXX XXXX, who also told me that he can't help me and that my account was closed and he can't do anything about it. 
Both XXXX and XXXX told me that they have nothing to do and that the check with my money was sent to me and it'll arrive in 14 business days. 
At the same time, I had to ( and still have to ) pay my credit card debt due- XXXX couldn't understand why I can't pay the amount due ( because I don't have a bank account ) and, again, didn't offer to help me with handling with the credit card department. 
The 14 business days have past, I never received my check- I called Citi customer service, they told me that it should have taken 5 business days ( the branch personnel lied ) and that they will send a new check. The 5 business days have past and I called customer service again- and they told me that actually the check was NEVER SENT and that I should talk to the fraud department as my file is still under investigation. I called the fraud department, they said that they can't help me. 
At this point I really lost hope and I am not sure what to do anymore. All of my money in the world is held hostage at Citi and NO ONE can help me with that at Citi. It seems like they all lied throughout the process and promised me things that are wrong, moreover Citi have never ever called me/e-mailed me or anything. 
This is a pain, this is frustrating and I wish that someone can help me with that.

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 2019-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
I lived in an Apartment Complex called XXXX @ XXXX XXXX in XXXX, XXXX. from XX/XX/2017 to XX/XX/2017 and had to move back to XXXX for a Job Transfer. I went to the office and spoke to the Property Manager to let her know I have to transfer back to XXXX for my job. She told me that if they could lease out that Apartment before 30 days that I would not have to pay the break lease fee. I have a neighbor that lived next to me tell me that someone was living in my unit within 2 weeks of me moving out. So I should not have to pay any break lease fee. In the meantime I have a collection on my credit report from " ProCollect '' for {$2100.00}. They call 2-3 times a day leaving nasty emails. I've disputed this with the Credit Bureaus and have not gotten anywhere. I've told Pro Collect that I will not pay this due to I don't owe any money to this Apartment Complex. Now I can't get an Apartment in XXXX XXXX because this is showing on my credit and has damaged my renting portfolio.

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 2019-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I reviewed my credit reports and noticed an erroneous/ fraudulent account being reported by Diversified Consultants, Inc.to the Credit Bureaus. I have never done any business with Diversified Consultants , Inc and this presented red flags. I immediately sent dispute letter via certified mail and delivered on XX/XX/XXXX, tracking # XXXX requesting VALIDATION of the debt. I requested Diversified Consultants, Inc to provide copies or any papers with they're name showing that I did any business with them and that I AGREED to pay what they say I owe per the Fair Debt Collection Practices Act. I received a response from Diversified Consultants, Inc claiming to represent XXXX and that I owe them {$1800.00}. In their response they claim the original creditor is XXXX and attached an account summary with the alleged charges which they claim provides verification of a debt. I have never ever done any kind business with Diversified Consultants , Inc . Anyone can type up a fake statement and put they're name on it and call it proof. I am requesting a signed contract proving I agreed to pay or agreeing to enter into a contract with Diversified Consultants , Inc . I have no problem making this a legal matter but would rather this get resolved outside of court. To this date XX/XX/XXXX they have not provided any proof and NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe { {$1800.00} }. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. Please see attached files of my certified letter requesting verification/validation of debt per the Fair Debt Collections Act to Diversified Consultants, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX, 2019 I attempted to close my home depot credit account. As it had been " under review '' by the company for over a month with no attempt to contact me. When I attempted to close it, they attempted to secure a credit card number from me from a different Citi bank account, my government travel card When I declined to give them that number, they refused to close my account and said they would be in touch as the account is still under review. 

The account has a XXXX balance and has had a XXXX balance for over a year. There is no reason to have the account under review, as I have requested that it be closed. 

This experience had been a massive waste of time for me and reflects poorly on Citi bank and the home depot credit center as a whole.

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 2019-05-05 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: TX

Complaint narrative:
Equifax has not updated my credit n over 90 days i have everything removed on XXXX. Because all has been paid. I disputed with equal fax but when i go to see update it says nodisputes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: KY

Complaint narrative:
I canceled an order for a bed from XXXX XXXX on XX/XX/XXXX. XXXX from the Customer Service chat at XXXX XXXX stated that seeing the merchandise was not delivered the item was not charged on my card. I also spoke with the store on XX/XX/XXXX ( XXXX ) XXXX and was told there was no charge on the account. But Synchrony Bank is saying that XXXX XXXX put a hold on the account for {$4500.00} dollars. They are saying it will take 30-60 days to resolve the " dispute. '' So I called XXXX XXXX back and they keep saying there is no charge, and there should not be a hold and that if there is it is the credit card company that put the hold on. And in the meantime I am being given the run around between the two of them. I had to call Synchrony Bank three times to get someone on the phone because I closed the account and only then found out there was this hold on the card. The card is specifically issued by " XXXX XXXX/Synchrony Bank. '' I want the hold removed from the card and the account closed. I should not have to keep having to call Synchrony Bank only to be told the problem is with the " merchant '' and then call XXXX XXXX and have them tell me there is no hold and it is Synchrony Bank that put the hold on because there is not charge because the order was canceled. I have also filed a complaint with the Federal Trade Commission against 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 2019-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZINC Financial, Inc.,
State: OH

Complaint narrative:
The loan was paid in full as XX/XX/19. The nature of this complaint is due to a FP ( forced Placed ) insurance that was wrongfully billed to the account, totaling about {$1400.00}. There were several communication exchanges with ZINC to provide/validate that there was never a gap of insurance. Even though an active policy was provided, ZINC did not remove a highly cost insurance forced placed on their end. This an unfair practice and close attention to this particular lender business practice is highly encouraged. 
Please be aware that there has been several complaints filed against this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I first noticed XXXX XXXX reporting information of an alleged debt on my credit report. I wrote asking for validation with certified mail number XXXX, which they got in their office on XX/XX/2019. As of date they have not sent me any information about what they are reporting and claiming I owe. When I pulled my report again I noticed they are still reporting and updated the account on XX/XX/2019, they failed to follow FCRA 1682 ( 3 ) rules by not marking the account as in dispute. Additionally, the Texas Finance 392 code says if a company can not validate or even have enough time to validate the alleged debt they have to stop reporting and collecting, neither was done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 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: Perfection Collection
State: VA

Complaint narrative:
Opened XX/XX/2015 for the amount {$4500.00} place on my credit report. I never assumed or granted credit from Perfection Collection. XXXX XXXX went out of business and they forgave all money owed due to poor business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Not aware of this card in my name whatsoever

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 2019-05-05 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: MN

Complaint narrative:
Dear Transunion I want to 1st would like to thank you for working with me during these disputing of inaccurate and incomplete information on my credit file after asking you to reinvestigate the items that you stated that was reporting correctly on my credit file I have noticed a ton more of Violation of the FCRA that needs to be addressed from your agency and this is a NO NO FCRA state very clearly in order to report on a consumer 's report the information must report at 100 % correctly or the items must be deleted. Ok lets get started with XXXX XXXX account number XXXX balance amount for {$8600.00} they reported a 30 day late on XX/XX/XXXX I do have a canceled online payment that XXXX cashed a check on XX/XX/XXXX so that payment shouldn't have been late then I looked at XX/XX/XXXX they reported another 30 day late I also have a check that they cashed on XX/XX/XXXX..and beside the fact of the matter On XX/XX/XXXX That should have been a 60 day late but It's showing another 30 day late how is this possible???? see attached for Proof. and it's gets more Violation When I get to XX/XX/XXXX and XX/XX/XXXX Looks like they stopped reporting this is a incomplete and again Violation and has to be removed. Unless you plan to Investigate this account here is what I'm going to need from you is a payment history dating back on XX/XX/XXXX - XX/XX/XXXX But I'm asking you to delete this ASAP as you have wasted my time sending letters via US MAIL AND VIA the CFPB claiming to have verified this account And most of all you haven't investigated anything so please remove this account ASAP

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 2019-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is complain is regarding CITIBANK credit card provided by Best Buy. I made a purchase of about {$1100.00} which was fully paid by XX/XX/2019 although the offer was up to XX/XX/2019 b ut I made sure I pay the amount own time more than the minimum amount per month. It happened twice that company website was down and I was unable to make the payment and company charge me {$27.00} of late payment fee on my account. I requested them to remove those charge because it was fault on their side and they didn't and added that unto my total balance and I contacted them multiple times to remove that balance even though I fully paid my amount. They were rude and didn't help me resolve issues. I have 12 credit card account and my score has always been 750 plus and I have managed my accounts very well but this company is trying to ruing my credit and make false charges and made my balance up to {$280.00} and trying to constantly call me and threaten me to pay by debt. I called them multiple times to resolve this issue. they didn't respond and are not helpful. I request consumer finance to take a look into this matter and help me because this is going to hurt my credit and my 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 monetary relief