vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I placed a payment via the American Express mobile app for my American Express account in the amount of {$1600.00} when had just over {$3000.00} in my Chase Checking account so that I would have an on-time payment and satisfy the full statement amount before XX/XX/XXXX. 

At XXXX XXXX. that evening, I received an email alert stating that my XXXX account had gone into a negative account balance and saw that the American Express payment was processed twice. I immediately contacted American Express via the app and asked for them to stop one and was told " it was too late to cancel them as these payments have aready gone into the processing status. However, once they post on your account you can let us know and we will immediately place a request to return it back to your bank. '' Because American Express was unable to resolve my problem with immediacy, I contacted XXXX XXXX  and requested them to stop the charges, and they did, but this is not reflected on my account until the next business day. 

To make matters worse, my XXXX card made an automatic minimum payment, and because XXXX is incapable of stopping the charge immediately in a manner that reflects a balance showing the account is no longer negative, I have incurred two overdraft fees of {$34.00} for a total of {$68.00}. 

I asked to American Express to return both charges back to the account so that I could issues new payments that would summate the statement amount because, according to XXXX, the identical charges are recognized as one by their system and they can not block only one, and that if I were to attempt to make the same payment again it would be possible that the payment request would automatically be blocked. Instead, American Express only refunded one payment.

To verify that it was not something done in error by me, I asked the American Express representative what time the last two payments were made, to which they replied " XXXX XXXX  for the last 2 payment time frame. '' American Express has now led to financial costs incurred by me their errors, and I want them held accountable for those errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card offered me a drastically reduced interest and balance amount on more than one occasion. I agreed to the terms on more than one occasion. Discover Card will not honor their offer without access to my checking account to automatically deduct payments. I was enrolled in this in the past and am left with massive, unfounded charges when I notified them four months in advance that I would be closing the checking account and would be willing to provide the new account number. Discover Card did not comply, would not even provide me a written monthly statement via mail, and charged me massive late fees and interest. I received exactly one written statement in the last 6 months and have continued to make payments. I have notified them, again, that I never received the " offer '' that was presented to me. I notified them in writing 4 times that I am entitled to receive a monthly paper statement at my current address which they have and use when it suits them. I have asked numerous times for my full account number as I pay my bills electronically. To date, Discover Card will not even provide me this information. I need my account information, monthly statement mailed to me, and would appreciate the offer made and accepted by me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hello, Navient is reporting inaccurate information on my credit report with XXXX. XXXX   and XXXX  is reporting exceptional payment for my account history. Navient is reporting with XXXX negative payment history for the following accounts : date open XX/XX/XXXX, balance $ XXXX-Current was past due 150 days. The second account date open XX/XX/XXXX, balance {$7300.00} and is reporting as Current was past due 150 days. The third account date open is XX/XX/XXXX and the balance as {$2100.00} and is reporting as Current-was past due 150 days. Im requesting to have the information reported correctly with XXXX  as exceptional payment history. The way that the account are reporting with this credit bureau is incorrect and is hurting my credit score. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 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: VA

Complaint narrative:
I sent Experian a letter on XX/XX/2020 and XX/XX/2020 requesting that a 90 day late payment be removed from my XXXX Account as I was never late. The payment history shows a positive payment made the month before the 90 day late payment therefore, there is no way I could be 90 days late the next month. On XX/XX/2020 I received a letter from Experian stating that they will no longer investigate this information. How could this be when I never asked for an investigation. I simply asked that my payment history reflects accurately and to remove the negative late payment.

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 2020-10-17 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX  XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off C/O on these dates from XX/XX/XXXX to XX/XX/XXXX ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 90 days ; late payment reported on XX/XX/XXXX - 60 days ; late payment reported on XX/XX/XXXX - 30 days. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-17 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: IA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: IA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: CA

Complaint narrative:
Key Bamk has not returned {$450.00} in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
The lease company ACIMA has been lying and denying my rights and at this time I have been discriminated against. XX/XX/2020, I contacted ACIMA credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: FL

Complaint narrative:
i sent over a dispute and its been over 30 days. I am very stressed that they are reporting inaccurate information on my credit report which make it very hard to obtain credit from possible lenders. Still this day i haven't received any investigation results.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-10-17 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: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent my first Debt Validation Dispute letter to the credit bureaus, then I followed up and sent a 2nd letter on XX/XX/XXXX because I have yet to receive a response from my debt validation request with my signature proving that I owe this debt. Therefore, I want it removed permanently from all 3 credit bureau reporting agencies. The amount that they claim " I owe '' is {$650.00}.

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 2020-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I  received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: VA

Complaint narrative:
On XX/XX/2020 I sent a letter to TransUnion requesting that the XXXX/XXXX  account reflecting on my credit report be removed due to the inaccurate payment history reporting on my credit report. On XX/XX/2020 I sent another letter in response to the update they made which was still incorrect. They removed one of the inaccurate late payments ( 2 still remain ) and then changed the status from closed to charged off. This account was never charged off as it was sent back to  XXXX for servicing and they are currently reflecting the account on my credit report as well.

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 2020-10-17 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: IA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 2020-10-17 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: VA

Complaint narrative:
The lease company XXXX has been lying and denying my rights and at this time I have been XXXX against. XX/XX/2020, I contacted XXXX credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.

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 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigation results.

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