vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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: PA

Complaint narrative:
I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA

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 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Need to link my account and can't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN

Complaint narrative:
I had an account with Premiere Acceptance and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name PREMIER ACCEPTANCE Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: WI

Complaint narrative:
I placed a total of 3 balance transfers in the month of XX/XX/XXXX. Two of those transfers were charged a 4 % fee and a 0 % interest rate. Those were of the amount of {$1500.00} and {$800.00} dollars. The third transfer was for 3.99 % with a 3.99 % rate. The XXXX percent balance transfers were completed on XX/XX/XXXX and are to expire on XX/XX/XXXX. The 3.99 transfer was completed on XX/XX/XXXX and is to expire on XX/XX/XXXX. I was told my payments would pay off the earliest balance first. 
Last month I looked at my statement and I see I have paid almost the whole 3.99 % balance while I have a majority of the XXXX percent balance left. After this month, I will be forced to have the balance revert to my current 18.24 % rate when my 3.99 rate was not set to expire until XXXX of next year. I contacted Discover along with a supervisor and all they did was lower my APR for only new purchases to 16.24 %. 
This is an unfair business practice as they are going to collect much more interest this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC wont allow me to find accounts such as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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 on my Acct # XXXX is fraud. XXXX XXXX, XXXX/XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2020-08-01 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: IL

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, US DEPT ED,  XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( 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 2020-08-01 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: TX

Complaint narrative:
According to the Federal Credit Reporting Act, XXXX is requited to only list factual information. Any information that is not factual must com off your credit report. XXXX list the following unfactual information. 

XXXX XXXXStatus is incorrect. Type of Account is incorrect. Please remove XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove XXXX/XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX XXXX XXXX ( 4 tradelines ) -Current Payment status is incorrect and last payment received is incorrect. Please remove.

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 2020-08-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX I researched XXXX XXXX XXXX XXXX and found a website that looked legit and order the product for {$140.00} thru XXXX and Barclays credit card. I had not received the earbuds pro by XX/XX/XXXX so I then contacted XXXX and attempted to contact the seller then finding out this company was a fraud and can no longer find them on the internet and no responses to me emails. I then filed a dispute with pal, that trans ID is XXXX. I waited until XX/XX/XXXX and did not receive any response from XXXX. I then filed a complaint with the credit card listed on the XXXX account Barclays MasterCard. The earns finally arrived XX/XX/XXXX, but didnt work as this is a XXXX company fraudulently advertising XXXX products and the the earbuds are NOT XXXX. There was not a return address for XXXX or I would gladly return. My credit card company will not assist me with this and I feel I should be refunded as this was not what I purchased. I have great credit and have used both of these companies for many years. During this Pandemic I am not willing to throw {$140.00} out the window for a defective product that I cant even return! Thank you for your assistance in this matter. I am just standing up for what is right. The people of this country have been screwed over by big businesses long enough!

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XXXX of 2018, I purchased a tv from Bestbuy and was convinced by the employee to open a bestbuy credit card for the purchase. So I was approved and I put the tv on the credit card because the employee said it was a zero interest credit card. Fast forward two years and I was hit with over {$400.00} in interest ( I only owed around {$200.00} left on the tv and never missed a payment ). Apparently the cards zero interest was for a promotional period for 24 months. The 24 months ended and they hit me with all of the interest that wasnt added in the first 24 months. I called and spoke to a representative and she essentially said from now on moving forward, I know what happens with their card. When I asked if she could please waive the interest because I had absolutely no idea that the interest would be added, especially considering Ive never missed a payment and could have paid the tv off in full months ago if I had known, and she essentially told me too bad. This is ridiculous. They should have at least notified me that the promotional period would expire soon so I could go ahead and pay it off. Now Im going to have to pay this extra {$400.00} I dont have, to make sure my credit isnt ruined. Please help 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 monetary relief
Consumer complaint received 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Reached out to chase at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however Chase reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 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: MA

Complaint narrative:
I attempted to dispute an item on my credit report and Experian is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, Experian is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that Exprerian is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the 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 explanation
Consumer complaint received 2020-08-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX I filed a complaint thru the CFPB and the response from Equifax was that they were working on it. It has been over 30 days now. Per the FCRA you have 30 days to investigate a dispute or the items must be removed from my credit reports. Here is my complaint from XXXX. I have called several times and I can not seem to get any help because of the language barrier with the customer service agents who don't understand what I am asking for. I have attached my identifiication to verify that is is me. I would like the following off my credit report. REMOVE FRAUD ALERT In regards to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is required to remove inaccurate derogatory information from a consumers file if it CAN NOT BE VERIFIED. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : 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 The following XXXX XXXX XXXX duplicates of each other. ATTORNEY GENERAL-XXXX  XXXX. Account status of both are incorrect. One is showing Date of first delinquency and date paid the same month. Schedule payment amount are incorrect, date open are incorrect on the duplicates both showing different dates, balance incorrect and terms frequency. I have attached my current balance along with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NY

Complaint narrative:
Hi my name is XXXX XXXX. I have a guitar center synchrony credit card that when I opened the card four and a half years ago had a XXXX dollar limit on it. On XX/XX/20 checked my card to see how much I had available on the card to make a purchase and saw Synchrony bank dropped my credit limit to XXXX dollars. I tried calling them to see if there was anything we can do to restore my credit limit and was told there was nothing they were willing to do. Ive been on good standings with all my accounts. I never maxed out that card. The most I put on that card was XXXX dollars and the card has been paid off for some time now. I dont find this to me fair and would like to put in a complaint. Please email me back about this when you get a chance. My email is XXXX or call me. My number is XXXX. Thank you and have a good day.

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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had an account with XXXX XXXX and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******

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 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have no business or contract with this company. They have placed erroneous reporting on my credit report. I want it removed.

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 2020-08-01 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I attempted to dispute an item on my credit report and XXXX is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, XXXX is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that XXXX is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the 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 explanation
Consumer complaint received 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Reached out to XXXX at the beginning of covid to discuss my financial hardship due to covid-19. They agreed to defer my payments, however XXXX reported negatively as a late payment after going into agreement. My credit score has now dropped because of this.

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 2020-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I HAD SEVERAL AUTO LOANS AT SANTANDER OVER THE PAST 12 YEARS AND NEED LOAN NUMBERS AND INTEREST RATE T.I.L.A. ON ALL

Company response to consumer: Closed with explanation