vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: AZ

Complaint narrative:
I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: AZ

Complaint narrative:
I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have XXXX  INQUIRIES on my credit report which were unauthorized. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unable build credit get personal report, improper use by XXXX after rejecting service information with in different credit agencies, checking accounts XXXX XXXX XXXX account tried paying off refuse to give information bank to the run arounds XXXX   XXXX XXXX rejected serve freezes deposit for 21 days b4 closing account .Contracts paid out still charge prorated fees.XXXX sol information even tho account was paid in advance fees on credit card.Unableto close credit card accounts after opening..XXXX, XXXX, Trans Union won't even release any of my information to 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 non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
I have tried calling the company of Sagestream LLC numerous times no call back once left voicemail on XXXX. If they are provinding my credit to any company I need too know and also freeze in which I have been calling to get a copy n too freeze from use. Its a recording to where someone will call you but no one ever answers or call back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I fell that it goes against my privacy as a customer of any financial institution to up and pull my credit report which harms my credit for no apparent reason. Synchrony Bank/ Belk is one of the worst banks to do this and they should not be allowed to pull my credit without me knowing it. I have plenty of issues with my credit without them continuously pulling my credit report and changing my credit limit more often than not. 
They gave me the credit line in the beginning which started out like at XXXX and I ahve had the account for several years and somewhere along the long because of my impeccable record of not missing any payments gave me additional increases along the way which wound up being XXXX and since then I have run into some financial problems but continued to pay them and without rhyme or reason, a couple of years ago began reducing my credit line and I just found out thru XXXX XXXX not them not my statement nor any kind of written permission to pull my credit that they once again reduced my line of credit. 

Where does the customer ahve any rights? What does one thing have to do with the other? As long as they are getting their money they should not be allowed to touch my account in any fashion or form. Do I not have rights? Used to Banks did not pull these kinds of stunts and they should but the customer should have some privileges and what problems I have with another creditor should not be anything to them unless they are not getting their money can anybody help resolve the problem in general and to show you what I am talking about I will be sending you two statements from Belk which the XXXX shows I had a {$430.00} credit limit and now without notice or asking me this goes against my privacy and I am good mind to sue. Where is the privacy in this? I ahve not applied for new credit and I call them requesting them to look at my credit so is that not a violation of my privacy rights? The XXXX Statement shows a line of credit in the amount of {$320.00} and it was unbeknownst to me because I set the payment to be made on the date it is due. So I see my privacy being 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 2019-10-03 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: AZ

Complaint narrative:
I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I opened my account with XXXX XXXX in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my XXXX XXXX account had been closed. I immediately called XXXX XXXX attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but XXXX XXXX is denying to accept the payment even before the actual billing cycle ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received information from XXXX  that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received information from XXXX that my information was breached. In viewing the credit report, there have been 20 inquires that was not authorized and two accounts open. I have filed a a report with XXXX  and attached is the report with claim number. 

False Inquiries were : XXXX ( 2 times ), XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX ( 3 times ), XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. 

Accounts Opened : XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I got my credit ran today XX/XX/19 at the XXXX dealership because I am trying to but a new car but when they looked at my credit report they told me that I did not qualify to get a car loan due to having accounts in negative standing on my credit history. I looked over the accounts and right away I noticed that these accounts were not mine. I did not open any of these accounts and I have never allowed anyone to open an account on my behalf. I don't know why these accounts are on my credit or who opened them in my name but I have already filed a police report. I never got anything out of these accounts such as money, services or any other benefit nor did I participate in any purchases, payments or transactions in regards to any of those accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I had a car financed through Credit Acceptance Corporation and it was declared totaled in XX/XX/XXXX by the auto insurance company. The insurance company paid the payment for the car. I spoke to a Credit Acceptance Corporation representative ( with a nasty demeanor ) in XX/XX/XXXX. I told him that I did not believe I did not believe I owed any more funds on the vehicle because the loan was paid off early. The representative stated that I still had a balance due. I inquired about the Extended car warranty and the Gap coverage that was added to the loan and was it pro-rated and removed from the balance. He mentioned that was the gap coverage was removed & I was issued a credit towards the balance due only. I requested a verification and statement of transactions and the amount that is due. He said he would email it to and verified my email address. Credit Acceptance Corporation does not mail me any statements or communications regarding this car loan and never have. As of today, XX/XX/XXXX, I have yet to receive any mailings or emails from the Credit Acceptance Corporation regarding the auto loan, however, they call me daily requesting payment for a vehicle that was paid off by the car insurance company. and they are reporting the loan is delinquent to all credit bureaus. If I owe the loan after it was paid off, why won't they send me written documentation of the balance due and details of the payments they received? How could this company harass a customer for payment without validating or verifying the debt when requested and report derogatory information to credit bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Our mortgage company, XXXX, went bankrupt in XX/XX/2019. Through XXXX and all antecedent mortgage companies, we always had Auto-Draft of payments, and we have therefore never missed a payment in the 18 years we have lived here, our first home. 

On XX/XX/2019, we received a letter from NewRez/Shellpoint, welcoming us to their family beginning XX/XX/2019, and assuring us that, and I quote, " Your Auto-Draft payments will continue. Our records show that you have been paying your mortgage by Auto-Draft. Good news : your Auto-Draft arrangements will carry over  when your loan transfers to us. Your payments to us will be deducted from your account on the date and in the amount you arranged with your previous servicer. No action is required on your part. '' This document has been provided to our banking institution. 

Were we wrong to believe the documentation from the company? When we spoke with them over the past weeks after we received the dunning notice for late payment, they freely admitted that this was their error. We provided our routing information the last week of XXXX in a conversation with one of their representatives on a recorded line, and yet the XXXX payment was STILL not Auto-Drafted. And we were assured that this would not impact  our credit. And yet, it has. A second call to a different agent to verify that the XXXX payment had gone through netted us the data that their agents are UNABLE to take bank routing over the phone and we would need to send them a voided check! 

I don't doubt that NewRez/Shellpoint has or will have thousands of these complaints as others in our situation realize that they, like us, are innocent victims of negligence on the part of this company. 

We resolved the overdue payment issue last week ( at least, we HOPE AND PRAY that it is resolved ), and still this credit issue is keeping us from a car loan that we certainly have the resources to repay. It is unfair that we are being punished for this, and in fact, I think that NewRez/Shellpoint should have to reimburse us, and all the others impacted, for the time, expense, and embarrassment of being repeatedly denied financial services that we have every reason and right to expect. 

You may believe that at least for the next three to six months, we will be verifying with our banking institution that the mortgage has been Auto-Drafted on time. As our past President Ronald Reagan said, " Trust, but verify ''. 

Thank you for your prompt attention in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I received a BLOCKED call from a XXXX XXXX on my cell phone on XX/XX/XXXX @ XXXX and i still have the saved recording. On the message, He stated that there was a Legal Case ( XXXX ) against XXXX XXXX and i was listed as an associate to the address XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I called the number that was left to call, XXXX. When i called, i blocked my cell number just as they did, but they would not disclose what company they were and what company they collecting for. The last cal to them, i was advised that they had spoken with XXXX XXXX and it was taking care of and they couldn't discuss her case without her approval. I hung up and called my daughter and she said they had called with the same LEGAL threat. My daughter took out the ONLINE PAYDAY LOAN with MONEYKEY in XXXX. I called them and apparently they are unaware that they can be held responsible for the actions of the their THIRD PARTY DEBT COLLECTOR for consumers.

Company response to consumer: Closed with explanation