vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I was discharged from Chapter XXXX in XX/XX/XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX  balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy CXXXX XXXX/XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXXXXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.

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 2019-05-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA closed my limitless credit card, a discontinued product, for unwilling to pay out rewards that I've earned on the account. There has been no activities on the account that warrants such closure other than the fact that I've accumulated rewards and they don't want to pay out. When contacted by phone and chat, USAA agents simply claimed they don't know why the account was closed it just was, perfect excuse to not pay out rewards due. If they want to discontinue an unprofitable product I am fine with USAA switching my credit card to another product, but not outright close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
This is in response to reply given by TransUnion for complaint number XXXX. I am hereby logging the complaint again as directed along with asked proofs. I will like to clarify that I do NOT have US passport as I was always XXXX citizen in USA and now as well. I can submit an expired copy of US permanent resident card or current XXXX passport. Kindly advise to get my US credit report at my XXXX address. I am hereby submitting XXXX government issued identification XXXX address proof as well bank statement for address proof as directed as two proofs from the prescribed list by TransUnion. I look forward to my credit report at the earliest.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Consumer has disputed inaccurate information reporting to 2 of the 3 major credit bureaus on behalf of the company LexisNexis Risk Solutions. As well as going directly to them in efforts to dispute the false and inaccurate information as well. LexisNexis has offered on more than one occasion an automated invalid timely response to consumers disputes. Responding outside of the 30 day window given and not updating each consumer report with marking the item in question as disputed. Consumer has sent certified letters on multiple occasions outlining a detailed response from this company, as well as placed a security freeze multiple times on consumers report to block any future inquiries on the inaccurate report. neither has been honored and in result consumer has suffered major financial injury loss and defamation to his name. Consumer has even reached out directly to the US District Northern Bankruptcy court and they've confirmed they furnish NO INFORMATION what so ever to any credit bureau or data mining company such as LexisNexis ( See attachments ) All the detailed evidence I have supports my claim of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My card was being used fraudulently. I had 3 transactions that I did not recognize among the most obvious ones. These are the transactions in question : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX They are placing transactions on my card that do not belong to me. Once I raised that flag they opened a fraud case and wanted me to pay the full amount of the card before they would refund any money. They have shady practices and are accusing card members transactions being made when they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30 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: CO

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I never had an eviction filed in my name with XXXX XXXX XXXX XXXXXXXX XXXX. I checked with the court and my name is clear. I called the apartment, they said to dispute it like they didn't care it was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union has taken more than 30 days to respond to an investigation request from XX/XX/2019.

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 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal has locked my account because they believe it to be a business account. It is not. Attempted to provide verification information they requested. They never took action to unlock account. I just want the account closed permanently. CLOSE PAYPAL ACCOUNT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
The company Certegy is restricting XXXX from cashing my check, and they will not change their decision or explain in detail why. 

On XX/XX/XXXX, I tried to cash a check that was a little under {$200.00} at XXXX. The cashier told me that it was declined, and that I needed to contact Certegy. That same day I contacted Certegy and I spoke to a representative named XXXX and then to her supervisor named XXXX. They both told me that my check was declined for a combination of three reasons : amount ; check series numbers ; and/or check history. The amount was under {$200.00} dollars, so that can't be it. The check series numbers are just numbers for routing and account numbers from a very reputable company, so that can't be it. Lastly, I have cashed my payroll check from the company I work for at other check cashing places many times within the last 4 years, so that can't be it either. Both of the representatives at Certegy also mentioned that they would not be changing the decision, and that the decision was final. 

Below is additional information : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XX/XX/XXXX XXXX XXXX : XXXX, Check XXXX, Bank # XXXX XXXX, Account # : XXXX, Check Date : XX/XX/XXXX, Check # : XXXX, Reference # : XXXX XXXX Representative : XXXX, XXXX Supervisor XXXX XXXX It should be quite obvious at this point looking at the history of complaints for Certegy and the FTC successfully suing Certegy for {$3.00} XXXX dollars in XXXX that this company is corrupt from the top down, and that they do not plan on changing. They clearly do not have good intentions, and most importantly, they are picking on the poor. It is very simple ; revoke their financial license permanently and get rid of them permanently. They are not a national bank, so you do not have to keep them around or allow them to continue to operate. GET RID OF THEM!!!

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 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I recently opened an account with SunTrust Bank. On XX/XX/2019 I deposited two XXXX checks from the United States Treasury which were issued for XXXX. I verified with the Social Security Administration that the checks were genuine. On XX/XX/2019 i called the local SunTrust branch after viewing the mobile app and there was a fraction of the total deposit being held, but the rest showed available. I was dually informed the possibility of a hold was likely, but would be returned. I proceeded to make purchases during the day and when I tried to use my card just an hour later I found that my account was closed. I called the customer support and the lady was dumbfounded and bluntly told me she had absolutley no clue how or why it happened. I called the branch this morning and the manager informed me that the account was closed due to possible fraudulent checks and I was being sent the remaining amount in 7-14 business days. If there was an evaluation of the checks, they should have just locked the account until the answer was found. Furthermore, I shouldn't have access to the funds at ALL until the research was complete. Now I have to wait two weeks to get a check from SunTrust to get the money that the government gave me? In that time my phone will be shut off, I won't be able to provide for myself or family, everything I had was in that account. Something needs to be done about this. I've read news reports that this exact same thing has happened before SunTrust has corrected it.

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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Multiple calls per day to my cell phone, my husband 's cell phone, and my job. Calls from " Unknown '' or " Unavailable '' in an effort to disguise who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid off my best buy card in full. 
Bill states they owe me a XXXX Then they add a XXXX late fee with interest attached to late fee. 
I called and tried to straighten it out. They refuse to remove late fee and interest

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 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank has a hard inquiry on my XXXX  credit report that I did not authorize. I do not know how the organization has an inquiry on my credit report because I have a fraud alert attachment to my credit report to contact me if anyone tries to apply for credit. They never contacted me. I have disputed with them since XX/XX/2019 when XXXX XXXX alerted me about the inquiry and the hard inquiry has yet to be removed from my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XX/XX/2019, I reapply for a chase credit card. It's 5 times in six months. My credit has been XXXX. I also have a checking account for 3 years. I called for reconsidering my credit but I was treated like garbage.

I have numerous credit cards in which are in excellent standing. 
According to them is a XXXX XXXX XXXX and XXXX card that shows delinquent. But i have proof that was paid in full months ago. 
I really feel discriminate because my credit improves from XXXX to XXXX and they always give me an excused. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I was discharged from Chapter XXXX in XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX/XXXX  XXXXXXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXXXXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $   XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX   Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
In calling SOUTHERN MANAGEMENT SYSTEMS XXXX yesterday, XX/XX/2019 at XXXX XXXX   operator did not want to assist me in a well and professional matter. She answered very rudely, I explained that I am a XXXX XXXX with a non-profit organization and this female operator abruptly answered very rudely saying that this agency doesn't communicate with 3rd parties and hung up the call. I called once again to clarify details and that my client was present and wanted to speak with a XXXX speaking rep. Using a very strong and rude tone she says that member needs to call from private number in order to get services and then she hung up on me again. I do not deserve to be spoken to in that matter, I was disrespected and offended. My client got very upset as to why this agency couldn't assist since she only speaks XXXX. Once my client called from personal cell phone number, the same female operator didn't want to transfer her to a XXXX speaking rep since operator believed that my client was speaking descent English. I believe she was discriminating my client and not providing well customer service. After my client persisting to speak with XXXX  speaking rep, she was transferred. Today, XX/XX/2019 at XXXX XXXX I wanted to put in a complaint with them directly. Apparently my work phone number has been flagged, I called and no respond was given and call was hung up. I made a second call, same female operator from yesterday answered and I initially asked to speak with management, she asked if I had an account there and I said no. Operator right away asked for my name and number and states " Aren't you the same person that kept calling many times yesterday? ". She was rude once again and said there is no manager available to assist me. I would like for someone to take a look into this matters. Since this agency does record phone calls, I suggest for an investigation to be done. This operator doesn't seem qualified enough to carry a respectful and professional conversation. If she is treating clients on the phone this way, it only causes them to not want to come in contact with agency. Please have this in your consideration, no one deserves to be disrespected or discriminated like this female operator did to myself and my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get 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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
For many years I have been receiving daily calls from Portfolio Recovery, despite having informed them they have the wrong number and I am not the person they're looking for, and repeatedly asking them to remove my phone number from any accounts or lists they may have on file. Although I have received a variety of responses from the caller ( from courteous to incredulous to rude ), they have yet to remove my number from their system.

Company response to consumer: Closed with non-monetary relief