vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I owed a debt to XXXX XXXX for over a year. XXXX reported me to Chex Systems. I paid off the debt to XXXX XXXX on XX/XX/24. 

I called Chex Systems several times and was told that XXXX XXXX had to call Chex Systems to remove the unpaid debt, as paid. Every time XXXX XXXX called Chex Systems, they were told it was my account and that Chex Systems could not speak to them. 

In my several calls to Chex Systems, I have been given a different answer with each agent as far as how long it would take to get this off my record. The last agent said as long as 5 years. That is totally unacceptable to me. How am I going to open a bank account? 

Please help me to stop getting the run around and to get this off my record! I have the payment receipt to prove the debt is paid off.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX are reporting a charge off on my credit report from XXXX XXXX. This account was paid and should not show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Starting last XXXX some CITIBANK Costco XXXX card users like myself were informed that our existing payment accounts had to be changed by accepting a new CITIBANK system partner called " XXXX  ''. The XXXX terms and conditions allowed XXXX  and CITIBANK and Costco and XXXX to take ALL of my financial data from my XXXX XXXX  account as a condition of being able to make a payment from my checking account for the CITICARD monthly bill. I have many accounts that I pay through an ACH link to my checking account, and none of them claim the right to extract all of my banking data from my bank! If you decline to accept these XXXX conditions, CITICARD says you can use an alternate method to " manually '' verify a payment account. Without asking my permission and without informing me, they inactivated my previously confirmed ACH payment account linkage. Then their technology started to malfunction. I made payments on time and they were rejected by CITICARD, who then charged me late payment fees and interest on my " Unpaid '' balance. During three months XXXX to XXXX I have called their representatives countless times only to be told my account is delinquent and they have no responsibility. Finally a week ago I got through to a " Presidential Team senior account manager '' named XXXX, and after more days and hours of calls, she left me voice message telling me that she had gotten help from CITICARD IT staff and everything was corrected, no late fees no interest no delinquency -- but she was wrong, the account is still not functioning and shown as a delinquent account which will now harm my credit score. Before XXXX I have an unbroken history for many years of paying every monthly statement in full and early. The " senior account manager '' named XXXX would not accept a call from me on XXXX/XXXX/2024, while I waited on hold for an hour! Representatives I spoke with on XX/XX/2024 told me they had no record of any payments from me and said they had no record of my interactions... then later XXXX called me again and said they can't figure out what is gone wrong and she wants to escalate the problem again. The XXXX system is the source of the fault and punishes customers who won't allow access to all their banking data to be shared by XXXX, CITIBANK, XXXX and Costco as a requirement to make an ACH 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 monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have filed two disputes in XXXX and XX/XX/2024 regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have filed two disputes in XXXX and XX/XX/year> regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I called in to Planet Home Mortgage on XX/XX/XXXX to auto-draft or schedule a payment yo draft on XX/XX/XXXX. this was done over the phone with a representative. She read me a disclosure and then I received an email from Planet Home on XX/XX/XXXX advising that my payment ( scheduled for XX/XX/XXXX ) was drafted and received. I called the mortgage company and they were able to pull the call and confessed to their error of prematurely drafting my payment resulting in an overdraft to my account. I contacted my bank and had the payment reversed. I called Planet Home about 5 times requesting a document for the error and was told they could not send such a letter. This has impacted my banking relationship and should be considered illegal. On XX/XX/XXXX, they re-tried the payment ( again that was not supposed to come out until XX/XX/XXXX ) and I called the company and was told since its ACH there is nothing they can do. They have yet to send my letter or resolve and now Im afraid the payment will be re-tried for a XXXX or XXXX time. This has not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I dont own this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hi there, I was very excited to get an American Express card. My dad always had one and I finally got approved. I checked my account like I do every week to pay off any charges, and I found my account closed. I received no physical mail or in-application notifications. They apparently said they sent me one email one month before but I have no record of it in my inbox. In my opinion, closing an account without notice ( Ive never had any late payments ) is a severe action that impacts my credit score. I have never had an account closed and I would have taken steps to prevent it if I had known. This is a predatory practice when all I was doing was making sure I had no balance to carry over each week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Customer Service XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear sir, I have received a letter by mail prepared on XX/XX/24 regarding CFPB case XXXX. Since the content was almost same with the review posted on CFPB portal regarding this report, I just need to say same thing. Since I have seven or eight reward certificates at hand, which were unusable at all, I have asked to close this card ; that means to terminate the service from your company for my financial matters. My friends agreed with this idea why we need to use a credit card, which we expect the reward, but the reward is not usable with some reason. These certificates ending numbers are XXXX, XXXX, XXXX, XXXX, and XXXX which was issued for the replacement of XXXX and XXXX. Since the letter from your company stated that having these reward certificates do not mean I have not used them, even if I state publicly, I have not been able to use them at all. Since there are no means to prove my position that I have not been able to use the reward certificates, that means the reward certificates which were sent with the bills are useless, I want your company to close my credit card officially. I have checked the online account site, and I realized there was the page which showed the freeze card and replace card. Since I have not done any illegal purchases and can not recognize any one at this moment after checking the transactions, freezing card does not make sense. Also, replacing card does not make sure that the reward certificates can be usable in future, since it is the problem of data on your company side. Even though I believe it is the issue of your company to have the reliable data management system, I do not know how to proceed the closing ; therefore, your side should clarify how to close by letter. I am not a native XXXX speaker, and I had many suspicious calls in the past, I do not want to manage these matters on phone. I prefer to have the legal, clear, and official documents as record. Even though your company have stated my reward certificates with me are not usable as if I am doing something illegal, if you can make my {$70.00} reward certificates, please try, and let me use them. 
Sincerely,

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a Capital One Spark card that I used to pay my bills primarily with Western Union. 

There was several XXXX XXXXXXXX payments that did not get sent from Western Union and as such disputes were opened with Capital One to assist in locating the funds and making sure that the payments were found. 

On several occaisions Capital One charged me interest and fees in violation of the Visa network agreement. On several recorded calls, I was misled due to no fault of my own that certain actions would be performed and never were. For example in XX/XX/XXXX, I was told that the rep would continue processing the disputes and would call me back after it was completed and that I did not need to remain on the line, when I followed up a week later after not hearing back, that rep informed me that it was against bank policy, however confirmed that the call recording had been listened to and I was told it would be processed with out me on the line. Capital One refused to refund the interest fees that were applied. 

After the disputes were submitted late, I was charged interest and fees. Western Union then processed the items in question and I was made whole, however 1 XXXX was refunded resulting in a credit balance on my card for {$990.00} which Capital One is refusing to refund. 

I was informed, despite not owing anything to Capital One, my account remains in Collections and " Credit Balance Refund will be blocked indefinitely '' Additionally, I was told that my rewards balance would be paid out because it had been " redeemed '' prior to being closed. The balance is {$4400.00} I am asking Capital One to issue me a check for the following : 1. {$4400.00} -- Rewards 2. {$990.00} -- Credit Balance on the Card 3. {$800.00} -- Interest from XX/XX/XXXX 4. {$1800.00} -- Interest from XX/XX/XXXX 5. {$3200.00} -- Interest from XX/XX/XXXX Total : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called and requested that {$100.00} payment received on XX/XX/XXXX be posted towards Principal only for this loan. The agent I spoke with advised me this will be completed with a few days, but as of today it still has not been corrected. 

I would like the {$100.00} payment that is been received monthly to be posted to loan XXXX. I have instructed the sender of the funds to always post these funds to this loan 's Principal balance monthly when my account is current, but this has not been happening and I have been having to make a call to correct this for years. The when this was set up instructions were given to post funds to this loan specifically. 

In addition to this it has been extremely difficult to get a person on the line to assist me. Please assist me with getting the funds posted to the principal balance upon receipt. I had this issue in the past and there seems to be no imitative to help me with my struggles getting this taken care of. Please update my account to have it set up to apply any payments in the amount of {$100.00} to be applied to this loan 's Principal balance. Moving forward I will be documenting how many times I have called and the wait times I have to endure to get a person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have recently been a member of identity theft and these are the following accounts : 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 PLEASE SEE ATTACHMENTS

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation