vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion, XXXX  all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?

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 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, Experian all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?

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 2021-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Four Directions Lending LLC
State: OR

Complaint narrative:
I had my wallet stolen and my identity was stolen. He has opened a number of loans and I am just trying to get it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: WA

Complaint narrative:
I have filed countless disputes into erroneous credit inquiries into my credit report thru Equifax. They sent me a blanketed letter on XX/XX/2021 stating that they verified 11 of the inquiries. But how did they do that when I have not received any proof that these inquiries are mine which they are legally supposed to supply. They have by law 30 days to verify this info or it must be deleted. They have not verified this info as they are also not allowed to use their E-Oscar system to verify things as they must verify info thru the original creditor to accurately verify info which they have not done so. I have received zero documents in the mail verifying these inquiries. They do not get longer than 30 days to verify info. Not 45 days. Not 60 days. Only 30 days. They are illegally reporting erroneous and unverifiable info on my credit reports still. I will be seeking legal council and taking this to court if they do not remove these illegal unverifiable injuries from my report as this is now defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Dear Sir, Suntrust caused me the issue and should be accountable related to the {$25.00} monthly fee. It has impacted me. Please pull the call and history to see when the 800 representative closed my money market but did not inform me this would cause a {$25.00} fee from my checking account. I relied on her expertise and she misinformed me. I request a courtesy money market opened to correct this mistake, an ongoing monthly credit or to simply link my checking and my trust account to avoid the {$25.00} fee which could have been avoided. Thank you so much for your time. 

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 2021-02-16 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: TX

Complaint narrative:
In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. 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 2021-02-16 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: TX

Complaint narrative:
In XXXX I received an alert via XXXX  that a new collection account had been added to my file. I have a stellar credit rating and no collections. I immediately contacted the credit agency and spoke to the fraud dept. where there is a police report and affidavit on file. XXXX XXXX XXXX states I owe a debt for an account that was not authorize by me and being that all of my identifying information was stolen I have no idea how they are claiming this is my debt. The address that the account was opened is no account that has ever been associated with me. They have not sent me anything that validates the alleged and FRAUDULENT debt to be mine. These debt collectors have no integrity and clearly will lie to gain money.. the fact that all the credit agencies have the police report on file and the affidavit this should have been removed within 72 business hours or less upon them being notified this was FRAUD. instead they have continued to allow this to create a hardship. During these unprecedented times there should be a willingness to adhere to the fair credit reporting act in addition to the information they have on file which after my research covers the FRAUDULENT ACCOUNT. i have also filed a report on said company with the CFPB. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
AMERICOLLECT is claiming that I owe them {$150.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I write in regard to my former Best Buy Credit Card held with Citibank. I opened the credit card on XX/XX/XXXX with XXXX XXXX  and consistently paid the credit card on-time through automatic payments. Apparently, in XXXX, XXXX sold the Best Buy Credit Card portfolio to XXXX, and then in XXXX, XXXX sold the Best Buy Credit Card Portfolio to Citibank. ( SeeCitibank Press Release from XXXX, available at XXXX XXXX XXXX ). 

The reason I mention this is because when my credit card account was transferred from XXXX XXXX to Citibank in early XXXX, the processing of the payments was shifted to a new website. But in the transition process, my automatic payments that I set up previously for my Best Buy account did not transfer over despite my belief that the automatic payments would still be made. Additionally, at the time of the transfer, I moved addresses from XXXX, NJ to XXXX, NJ. As a result, I did not receive notification that automatic payments were not being made on the accounts. Consequently, my account became 120 days delinquent. It was only when I was contacted by a debt collector over the phone that I learned that the automatic payments were being made. Worse yet, the debt collector called my grandparents telling them that I was delinquent on a debt. It was obviously an attempt to embarrass me with my family and I was appalled that Citibank would contract with a debt collector who would engage in such tactics. 

Upon learning of the mistake, I immediately made arrangements for automatic payments to be made. But for some reason, the debt collector stop collecting the automatic payments only to begin harrassing me and my family members again with calls that I was not paying my debt, when I gave them all of the information necessary for direct deposits. Even though the debt collector messed up in collecting the debt, the account went into delinquency. 

By XX/XX/XXXX, I paid off the outstanding {$2200.00} debt Citibank Debt IN FULL including any and all late fees. What frustrates me though is the entire thing was caused by a less than seemless transition from XXXX XXXX  to Citibank XXXX which I did not consent to ), and by the harrassment of the debt collectors. The negative information has remained on my credit report for over six years now, even though it has been over four years since I paid the outstanding balance in full. Moreover, Citibank has not reported any new credit information on the account since XXXX of XXXX. Quite frankly it is outrageous that Citibank engaged a debt collector that engage

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 2021-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX sold XXXX debt from XXXX  XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested. 
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX. 

Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies. 

XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt. 

Also XXXX  is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Credit card issued by Citi Bank ( last 4 digits are XXXX ) Since XX/XX/XXXX, I've been using Citi Mastercard, and I never had a single late payment, consistently paid the balance in full at the end of every statement. 

All of a sudden on XX/XX/XXXX, the account was closed for no reason. When I contacted the Citi card customer service ( XXXX ), I was told reason could not be given, as I had to wait until I receive the letter in mail. 

I received the letter on XX/XX/XXXX, and called the customer service again. Spoke with XXXX, who could not provide me any reasons. Escalated the call to her supervisor XXXX XXXX Team # XXXX ), and she could not provide me any reasons on why the account was closed ... she thought it could be due to my credit report, and I told her about my excellent credit history ( and I've never had any late payment in the last 15+ years with any other credit card ). 

Unfortunately when Citi closed my credit card, the account has a cash rewards of {$2500.00}. I was told by Citi customer rep, since the account was close, that I would not be able to get the cash rewards that were accumulated in my account. 

I'm requesting CFPB to investigate my issue, and request Citi to issue my cash rewards that were due 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 explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card with Bank of America. On XX/XX/XXXX, I was reviewing my account statement online. I noticed there were many unrecognized and pending charges from XXXX the account that have not posted. Many for the same date. I checked with my Spouse. She and I did not recognize the charges. We decided to review the account statement for XXXX, and there were charges that were not recognized there also. We printed the XXXX account purchases for both my wife and I, and reviewed and compared these charges line by line item to my BOA statement, dating back to XX/XX/XXXX. This is when we realized the extent of these unauthorized purchases. 

We notified Bank of America at this time. The card was cancelled and another card was reissued. I told the BOA representative at the time the charges we suspect as fraud. Someone with an XXXX account is using our Credit card Number for charges. These items were not delivered to my home address of record. 

Also note, we changed our billing address and mailing address effective on XX/XX/XXXX. I notified BOA of this in late XX/XX/XXXX. We moved to a new home. 

Additionally, I had already placed a fraud alert on my credit history, because I received some suspicious unsolicitied a government Debit card with my name on it. I did this on XX/XX/XXXX. At this time also I reviewed by credit file with XXXX of the XXXX major companies and did not find unusual activity on them. 

My spouse and I have a XXXX XXXX XXXX account. We are billed annually one time per year. We can see that charge on our BOA statement. However, we are also picking up a subscription for a prime membership that is being billed monthly. We do not recognize that as a charge of ours. I told this to XXXX, and they didn't care about this. 

The fraudulent charges amount to at least XXXX, not sure if that includes interest. BOA delected my secure messages they sent me because I read them, however I was not able to download 1 or 2 of them, or print. 

BOA notified me on XX/XX/XXXX, and they were " unable to approve your recent fraud claim '' The reasons they ( BOA ) provided do not substantiate my claim, or investigate the source of the problem that lies at XXXX. I contacted XXXX about this, but they could NOT be of help, citing " account Privacy '' I attached the response from BOA. Also attached our account statements from XXXX. They were able to provide a spreadsheet of our legit purchases and the source of the payment. The card in question is a visa card.

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 2021-02-16 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: MD

Complaint narrative:
I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  XXXX reporting information about this 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 explanation
Consumer complaint received 2021-02-16 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: Avant Credit Corporation
State: TX

Complaint narrative:
I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, Avant negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, Avant has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that Avant stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to Avant to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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:
I contacted TransUnion Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to TransUnion on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans are duplicated and they should not be.

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 2021-02-16 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: MD

Complaint narrative:
I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  XXXX reporting information about this Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CA

Complaint narrative:
US DEPT VETS XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. 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 and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PRO COLLECT is claiming that I owe them {$0.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent in a Letter on XX/XX/21 stating that the information they had reported on my Consuemer Report was innnacurate and false and I wanted proof of Debt and records. The 30 days have passed. This is MY SECOND TIME WRITING to them, I have Verified Mail showing dates with DL and SS and PROOF OF ADDRESS. NO RESPONSE yet

Company response to consumer: Closed with explanation