vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: MA

Complaint narrative:
It is saying to many number of accounts with delinquency and serious delinquency I was late on a school loan years ago It should be off by now

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 2019-03-25 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: TX

Complaint narrative:
XXXX  thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account XXXX XXXX serv. on my credit report and I have contacted all parties XXXX XXXX, XXXX  of XXXX, even the alleged hospital XXXX XXXX XXXX  one will respond to my request not one company this is fraud even the balance changed enclosed are documents that XXXX XXXX XXXX of XXXX, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now ovXXXX XXXX XXXXs all documented in case file just what ATTNY GEN is after PLUS the HIPP violation XXXX XXXX has committed<alleged debt bal increase out of the blue>

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 2019-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I went to the bank on XX/XX/2019 at approximately XXXX-XXXX to deposit {$100.00} cash into my account the money acted as if it was getting counted when I inserted it in the machine. It stopped gave me an error message saying to contact my financial institution, didnt give me my money back or any kind of receipt back. I have XXXX XXXX XXXX and I need that medication badly in all out and that was my last {$100.00}. I have PNC Smart Access and fret have been no help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have made multiple attempts in writing and via telephone to Experian in an effort to request that they fix an issue that does not allow me to initiate disputes on my file for information that is incorrect. I have a paid service, and over the past year or so, I have received no resolution. 

I have petition this organization - CFPB - for help as well. 

Nearly every attempt to solicit assistance from Experian has resulted in misinformation, call transfers to other departments and/or transfers to individuals who claim they can not help me. 

When I attempt to initiate a dispute, I get an error message. The problem has existed for quite some time.

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC
State: AZ

Complaint narrative:
I received a letter of collection from Smith Cohen & Rosenberg, LLL ( Smith , Cohen & XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, XXXX or XXXX ) on XX/XX/XXXX dated XX/XX/XXXX. Account number XXXX, the debt was for {$2300.00} for car ( VIN XXXX ) that was towed in XX/XX/XXXX by  XXXX XXXX XXXX. I contact XXXX XXXX XXXX and XXXX stated the debt owed was {$1800.00} not {$2300.00}. 
My complaint this is not my debt. I sold the car on XX/XX/XXXX to  XXXX XXXX and I am not responsible for this debt. I spoke with both XXXX XXXX and XXXX XXXX at Smith, Cohen and Rosenberg, LLC both refused to remove my name from the debt. I sent copies of the Notarized title, showing the date of sale/transfer of title ( XX/XX/XXXX ).  Mr XXXX XXXX sent, Smith, Cohen and Rosenberg, LLC, a fax stating he was responsible for the debt with a copy of the notarized title and asked for the debt to be transferred into his name on XX/XX/XXXX.  Both Ms XXXX and Ms XXXX have told both Mr XXXX and I that the debt will not be transferred until paid in full and if not paid I, XXXX XXXX XXXX XXXX, will be sued and it will be put on my Credit report. I am being blackmail for a debt that is not mine. 
I have sent Smith, Cohen and Rosenberg, LLC two certified letters. The first requesting validation of debt sent certified mail XX/XX/XXXX received by Smith, Cohen and Rosenber, LLC onXX/XX/XXXX. A second certified letter disputing the debt on XX/XX/XXXX. The second letter contain a copy of the notarized title and a letter. The second letter was received by Thank you for assistance in removing my name from this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: NJ

Complaint narrative:
Currently on all TransUnion and XXXX my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.

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 2019-03-25 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: NJ

Complaint narrative:
Currently on all XXXX and Equifax my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I made several cash advances and regular purchases while having promotional balances. I made payments greater than the minimum payment to payoff the cash advances and regular purchases balances, however this did not eliminate the cash advances and regular purchase balances. Currently the interest is minor, but I am concerned that I will not be allowed to pay one of my promotional balances before it expires. Instead the bank will allocate my payment so that they can charge interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I paid my XXXX XXXX XXXX credit card in full on XX/XX/2019 and they are not reflecting that I had a {$0.00} balance and I have used the card for a purchase on or close to the XX/XX/XXXX in the amount of {$29.00}. But they are not reporting accurate information on the above account, per XXXX XXXX credit alerts the information that XXXX XXXX is reporting on the balance amount is incorrect {$770.00}. I have never had that amount of a credit limited from them. I spoke with a representative on Saturday XX/XX/2019 at XXXX TN time from Equifax and she said they ( XXXX XXXX ) have not reported no new updates on my account for the month of XX/XX/XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
charge with promotion made in XXXX. charge made in XXXX different payment structure. 
I utilize the mobile app to pay which only shows 1 balance. App does not alert you that if you have multiple transactions with multiple pay structures, you must CALL the company to allocate your payment to the different balances ( that again are not displayed separately but as one balance ). Payments have been made monthly based on minimum payment however payment ( unknown to me until now ) is then divided between the different transactions resulting in the transaction with the promotional interest deferment to not be " paid '' by the promotional expiration date. In addition, all of the interest has now been added to the balance so that now when I pay my monthly bill over the minimum ( thinking I'm paying down by balance a bit quicker ) I am not as my " extra '' payment amount is barely covering interest that continues to accrue on the other transaction. This is completely confusing and unfair to customers who pay diligently. It seems deceiving and not having this information available on the mobile application ( with the rationale that it can be seen on the website ) is counter to reasoning of mobile pay. I was also told that I could set up alerts in the future for any other promotional balances and when I asked for assistance on where to find that on the mobile app, I was again told I had to do it on the website! They offered to allow me to pay the balance of the one transaction today, but I would also have to pay the minimum for the other transaction totaling almost XXXX! This is not helpful at all.

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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have information reported on my credit from XXXX XXXX XXXX for an incorrect amount. When I called the original creditor Citi Bank for Best Buy Visa they advised me that they did not have any records of an amount I owe, they just stated to call XXXX XXXX XXXX. So if they original creditor advised over the phone that they do not show how much I owe. How is that XXXX XXXX XXXX can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called XXXX XXXX XXXX they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.

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 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Quick Debt Services LLC
State: MO

Complaint narrative:
ONORABOUTXX/XX/XXXX,IFILEDDOCUMENTWITH(XXXXXXXXXXXX)SERVICETOSET-UPREPAYMENTOFMYSTUDENTLOANS.ISOONLEARNEDTHRU(XXXX)#XXXX.THISCOMPANYWASAFAURD,ANDBEGANTOCALLTOCANCELANYMOREPAYMENTTAKENTHRUTHEBANK.SINCEXX/XX/19IHAVENOTBEENABLETOGETARESPONDIWASADVICETOCALLTHISSERVICEANDFILEACOMPLAINT.IHOPEYOURCOMPANYCANHELPMEANDFUTURESTUDENTSTHATFALLUNDERTHISTYPEOFSITUATION,

Company response to consumer: Untimely response
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I noticed American Expess on my credit report supposedly stating their company loan money to me. I have sent them multiple letters requesting answers to questions that they should be able to answer as a company. I have sought after someone with firsthand knowledge. That could tell me more about this alleged account and give me answers. Unfortunately they can not answer them and have not taken their Tradeline off my credit report. With not responding and not showing proof that the company has loan money to me from their own funds. They do not have a legal right to be on my report. Ive sent them question they chose to ignore and not answer. These question would give me a good look if they indeed loan money from their own funds to me, complied with the truth and leading act, and has a legal right to collect on this alleged loan. American Express to this day, has not been able to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Throughout the week of XX/XX/2019 I contacted Experian, XXXX and XXXX about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, Experian and XXXX reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 XXXX and Experian refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX Texas Bankruptcy Court states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person 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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian will not allow me to unfreeze my credit report online. The mail-in process is not helpful because my ability to secure housing depends on this report being accessible. 

I have successfully lifted the freeze at the other two major credit reporting bureaus, but the identity verification process has repeatedly returned a screen saying my request can not be honored and that I have to mail in a request. 

Additionally, efforts to retrieve my PIN were met with similar refusals to honor the request. I am NOT posing as anyone and would be HAPPY to answer more rigorous identity confirmation questions. I also can electronically provide the proof they request. 

Mailing is not an option for me given the timeframe in which I need resolution.

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 2019-03-25 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: GA

Complaint narrative:
I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and Transunion - 60 days late reporting on XXXX XXXX XXXX XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) XXXX XXXX - 30 days late reporting on ( XXXX and Transunion ) XXXX - 30 days late reporting on ( XXXX, Transunion, and XXXX ) - 60 days late reporting on ( 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 2019-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under CMRE. I  requested a validation on XX/XX/XXXX as there was an account listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as CMRE had not responded and the account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX XXXX Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belong to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX I made a payment to my BP gas credit card to Synchrony Bank for my XX/XX/XXXX bill, they posted my payment to my all ready paid XXXX bill and charged me {$27.00} late fee and reported that I was all ways late to the credit reporting agency. ON top of that they canceled my membership to Sam 's club and canceled my sams club   credit card on or about XXXX XXXX! 
ON XX/XX/2019 they charged the me a membership fee of {$100.00} for a membership that they canceled! 
This is XXXX is due to my not payinf their clinet XXXX for the over {$15000.00} damaged almost casuing fires, that XXXX company XXXX XXXX XXXX XXXX did to my home!!!

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 2019-03-25 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: GA

Complaint narrative:
In XXXX of XX/XX/XXXX I filed for Bankruptcy. I decided not to follow through. I did not meet with a Trustee, I did not go to Bankruptcy Court. I paid all of my creditors without the assistance of the Bankruptcy Court. For the last 7 years this bankruptcy has appeared on my credit report. The Bankruptcy Court state that they do not report to any Credit Agency. Since the Credit Reporting Agencies did not receive this Bankruptcy information from the Bankruptcy Court, how did they get it and was it obtained in a legal manner according to the Fair Credit Reporting Act? This bankruptcy information was dismissed over six years ago and should not be on 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 explanation
Consumer complaint received 2019-03-25 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: CA

Complaint narrative:
There is a 30 day late that Transunion will not remove from my credit report as of XX/XX/2017. My divorce decree filed XX/XX/2017 states the residence is awarded to my ex husband, therefore mortgage payments were NOT my responsibility as of that time. They were his responsibility and the home was awarded to him and he was paying the mortgage. I was not living in the home nor was I responsible for mortgage payments. I had moved out of the home XX/XX/2017.

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