vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon review of my credit file I recently reviewed a collection reported by XXXX XXXX XXXX XXXX. Transunion has allowed this erroneous collection to report to my credit file. In pursuant to the FCRA section 609 (  A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Transunion. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Transunion consumer file. All information in pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX 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 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Capital One asking for debt validation. To date, they have not sent any communication to me, but continue to report on my credit reports. My attached letter includes my name and account number ( as reported on credit report ). I have also sent letters to XXXX, XXXX and XXXX asking for debt validation. In all 3 cases, they have responded back as the debt is verified. I followed-up with a proof of debt verification letter, and have not received responses from any of the three credit reporting agencies. Since I sent the letter certified, I am attaching proof that my letter was received to Capital One on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc.
State: GA

Complaint narrative:
I received a letter from XXXX, XXXX in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name A TCI, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. 
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in  XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than  seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I have been purchasing this home and property for 17+ years, first under owner financing, then as a cash payout, then my ex-husband for a home equity loan against the property, then we got divorced and I was left with the loan in his name but I didn't have the credit to get it in my name until XXXX which is where this current loan comes in. I have made all my payments, except two of the payments were late. I had to leave work in XX/XX/XXXX and file for SSDI and then in XX/XX/XXXX my fiance unexpectedly died of XXXX XXXX from XXXX and left me with no income. I was paid up on my mortgage payments but rec 'd a letter from Huntington Bank trying to press foreclosure. I tried to get a report from them to confirm they had the same payments as I did, but I only got it after I filed a complaint against them with the WV State Attorney General 's office. Their records show the same payments but there are some discrepancies somewhere. Since all this debacle I am now missing payments but they have put me through unnecessary grief up to now. I filed for HomeSavers and they closed it unnecessarily without even telling me. They refused to give me a forbearance option. They have discriminated against me and have been very rude and obnoxious to me during the times I have sought assistance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint/New Rez Mortgage servicer Sent me a letter XX/XX/XXXX allowing me to cancel my escrow account and pay my own taxes and insurance. below is their statement in their letter. 

" " Upon review of your correspondence, New Rez has approved the cancellation of your escrow account. As such, the insurance and tax liens have been updated to Homeowner responsibility. Going forward you are responsible for payment of the insurance and tax items for the above referenced loan '' XX/XX/XXXX Then I get an annual Escrow account disclosure statement. Showing their intent to create another escrow. 

This company does not do what they say they are agreeing too. 
They even threaten me with a foreclosure before and will not own up to that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$140000.00}

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 2020-08-05 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$3700.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$140000.00}

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 2020-08-05 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have to make a dispute for my account against XXXX, they have closed my account when i try to make an order so i shouldn't have been charged or received anything..there is four transaction that american express needs to understand, XXXX  closed my account and there no way for me to make a contact to them. I can't even send them a message. I want my money back! and I hope nobody else is going through what I am this is why I am here as well. 

I'm fighting against XXXX and I hope american express could understand. For my XXXX XXXX Card 1 ) XX/XX/XXXX XXXX XXXX {$230.00} 2 ) XX/XX/XXXX XXXX XXXX {$250.00} 3 ) XX/XX/XXXX XXXX XXXX {$210.00} 4 ) XX/XX/XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
My Alliant Visa has been charged numerous times from XXXX without any form of receipt documenting what these charges were fo and I did not authorize these charges for unknown merchandise or services. I have contacted XXXX repeatedly and they are unable to provide any substantiation for the charges. 

The same thing happened with XXXX, though there were only two unsubstantiated transactions. 

I filed multiple disputes for these transactions and was contacted most recently by XXXX XXXX, who apparently refused to honor the disputes because he demanded the logically impossible from me : " proof '' that these were not valid transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
when i go to link my accounts to a site such as XXXX or XXXX  it keeps saying i am blocked and the bank told me it's not them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Could you explain this please? All you said was this! 
Company 's Response As a rule we send deletion requests to XXXX   credit bureau when an account is paid. We do not show a removal and a re-report of an account for XXXX XXXX. 

Look at the file I sent you proof showing this I mean your statement do not make a lot of sense! There it is in black and white you need to remove from my credit file tsend me a copy of your E Oscar reports for XX/XX/XXXX - XX/XX/2019 for proof or delete the account!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PR

Complaint narrative:
I am in the process of buying a home and when thy verified my credit, there is a medical debt coming out only in my XXXX credit co and it does not belong to me. I had sent a letter communicating this issue to XXXX but never answered and more than 45 days have gone by. I would like this issue to be resolved ASAP. I will be sending you the letter as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can not use XXXX XXXX with my PNC account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}

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 2020-08-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}

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 2020-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020, I sent Equifax a letter with social security card and proof of address enclosed, allowing them the opportunity to remove inaccurate personal information and only report my correct address, name, social security number, date of birth and even my employer. I did not wish to have any telephone number listed on my report. I did not receive a response, so on XX/XX/XXXX, I sent another letter asking for the same thing since they have refused to report my correct information for months. I enclosed my drivers license and social security card as a final goodwill gesture to allow them to only report my correct personal information and remove all other inaccurate information. I received a letter which is attached from Equifax on XXXX XXXX refusing to remove all inaccurate information unless I send in Category 1 and  Category 2 documents for verification ( these are both documents I already sent, my drivers license and my social security card ). At this point I feel Equifax is operating in bad faith, refusing to remove inaccurate information. They are saying my documents must include the mailing address of XXXX, Ohio even though I live in XXXX, Ohio ( All my dispute mailings and IDs have always said XXXX, OH ). On XX/XX/2020 they mailed a letter to my correct address in XXXX, Ohio ( attached ), While the letter on XX/XX/XXXX ( after my personal information dispute ), where they refuse to remove incorrect information, they mailed the letter to XXXX, OH XXXX and not XXXX as they did on XX/XX/XXXX. I feel they are acting in bad faith and I have proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
My father has an account with the NC State Employees Credit Union. My brother was on the account as power of attorney. After my father passed on XXXX XXXX the credit union allowed withdrawals until XXXX. I became the executor of my father 's on XXXX XXXX the same day i came into the credit and asked why these withdrawals were allowed and what were they going to do about it. I was told they would have to look into it. After no response i also sent an email. After months i was told since i did not question this with in sixty days. there was nothing they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit bureau is reporting me late for XXXX, XXXX, XXXX and XXXX of XXXX for XXXX XXXX. Account was closed XX/XX/2020. I spoke with XXXX XXXX who said they did not report me late. I provided documentation to Experian to have account information adjusted such as bank statements and the account closure letter with date. My information was not adjusted and they are stating the dispute is complete.

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 2020-08-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I received a letter indicating that the Home Depot XXXX card had been overpaid {$540.00} probably 11 years ago when I last used the card. 
I called the company and asked that any overpayment be refunded. The refund was made. 

In XX/XX/XXXX I received a statement saying that I made a purchase of items that I was delinquent on. I have never used the card in 11 years and Citibank admits no purchase or other use has been made in those 11 years. 

I complained to their fraud department, legal department and consumer complaint department at the administrating Citibank. 
Now they have begun to call me as if I owe them money plus interest and when I ask them to investigate they have no explanation.

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: OH

Complaint narrative:
XXXX payment was missed on its autodraft date and a retry payment was made before the 15 day grace period expired. Two bank statements and the trace number to prove this have been provided. I have spoken with possibly 20 people since XXXX all of whom have said they would escalate the issue, who said they see the problem because there was a change over in systems and my XXXX payment did not post appropriately to my account. The result has been constant rollover and over 4 months of phone calls. While the front line account reps have tried to help, each and every attempt at an escalation to a supervisor has failed.

Company response to consumer: Closed with non-monetary relief