vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tally Technologies
State: CA

Complaint narrative:
On XX/XX/2020, I paid off my loan in full with Tally Technologies. They said that my credit report would be updated within two weeks with the account being paid off. 

On XX/XX/2020, the " paid off '' account status still did not appear on my credit report, and the account showed an incorrect and old balance from over a year ago ( much higher and therefore affecting my credit score ) on the credit report. I emailed asking for corrected information. 

On XX/XX/2020, Tally Technologies reported my account as " Charged-Off. '' This is extremely incorrect and fraudulent. 

Not only has Tally acted in fraud and bad-faith, they have been usurious in their interest charges before the account was paid off. They should be investigated for their credit reporting practices, which are NOT in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am a XXXX and made a purchase with my discover card on XX/XX/2020 for a spring vacation for my mom and me for XX/XX/XXXX. I made the purchase with XXXX and charged in on my Discover card for the amount of {$3400.00}. The Corona virus hit NJ and schools were closed and my Mom lost her job as well. We were house bound and worried due to the danger of this virus and the fact that we live with elderly grandparents. The flights were cancelled and I was shocked to learn that XXXX would not refund the money. I contacted them numerous times but no one would answer. I called Discover card and they agreed to help me. This has been ongoing since the XXXX statement and they have issued temporary credits 3 times and revoked them. The final case XXXX concluded that they did not find it in my favor and included the transaction receipt from the XXXX booking. My dispute is not about whether I purchased the ticket but the dispute is that the trip never happened and was cancelled due to the pandemic. The service was not provided and I should not be held accountable as this is a violation of my consumer rights. I am looking to finally get this refund back on my card for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a loan with XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I received a letter from my bank stating that, after a revision of TransUnion, my credit score was XXXX. I never remembered it being this low, so I go on the TransUnion site. I put in my information, thinking I'm going to get a free report like XXXX or XXXX. I was little confused when it asked for credit card information, but it said it was for verification purposes, so I put the info in. Next thing I know I'm getting charged for {$26.00}. I called a rep, and he said it does say there will be a charge. Off to the right, in tiny font, in a window that looks like an advertisement, it says you're actually signing up for a subscription. I called the rep again, XXXX, and he stated he will close the account and issue me a refund. He said I would receive a confirmation, but nothing has arrived. This is terrible, and CFPB, you really need to do something about this. I've read hundred of complaints on the XXXX, XXXX XXXX, and other sites and I have seen that other people have experienced this same thing, and it would appear that nothing is being done. If your job is to protect consumers, you need to have TransUnion do something. They need to make it BOLD and CLEAR that you are buying a subscription service. They need to not put " this will be used for verification purposes ''. This is clearly deceptive and misleading. I have read about people having overcharges fees due to this nonsense. DO SOMETHING PLEASE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
So this card is a store credit card I do own. I was a little taken off guard, because I did comtact Jcpenny and  told them my situation back in XXXX that I got laid off from a very good job that i've been working at a longtime. If they can work with me. The lady I wish I remebered her name told me don't worry so many people are in your shoes we understand just keep us informed. I told them once I get my finances situated I will call you back to figuire out what I can do. I love Jcpenny, I've been shopping Pennies since I was a child. SO for them to be on my credit report as a negative balance I was shocked I called them and told them everything. So since I found out that my Personnel Private Information is out there for anyone to grab. I pulled credit reports and saw JCP on there I called back fixed it all with the agent I can't remeber her I know I shouild of wrote it down. She was so nice fixed all my late fee 's basically she put my account back to normal. So it should all be good now. I ; m hopeing it is.

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 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I was wired XXXX Euro from XXXX, XXXX from XXXX XXXX on XX/XX/2020 and on XX/XX/2020 XXXX XXXX  posted {$67000.00} to my account before deducting their incoming wire fee. They informed me that the exchange rate that was applied by Citibank to this transaction was XXXX. The history of Euro to US Dollar exchange rate shows at that time the exchange was between XXXX and XXXX. This resulted in a short payment to me of approximately {$1500.00} US. 

XXXX has been unwilling or unable to give me contact information at Citibank, who they say handled the conversion from euros to dollars on this wire transfer. I am not able to follow up with Citibank without this information. Does XXXX not have an international wire transfer desk for receiving a wire from XXXX? Why was Citibank in the middle of this transaction? Shouldn't they also be responsible for applying reasonable conversion rates on international currency transactions? Is XXXX also responsible if Citibank is acting as an agent of XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
State Farm Bank.

So, I deposited a check in State Farm Bank for {$5000.00} on XX/XX/2020. 
Then, they put my account on hold for a while, and around XX/XX/2020. 
On XX/XX/2020 When I tried to use the account, my Debit Card was already blocked. So I could only use the account for 6 days, around XX/XX/2020. They Closed the account. Finally, they Officially closed the account on XX/XX/2020. I have never received any written statement letter. No account balance, withdraws/deposits were ever mentioned. Only 1 check came back for XXXX $ which they are denying to post electronically into my account. I have visited their Agent Office twice for Identification Purposes. THey want me to withdraw the check even though being aware that my License was recently stolen and due to COVID-19. the banks have been working slow. Please respond to me ASAP. Last time I spoke to a customer representative, they clearly said. Do whatever you want, we would not deposit any money. Cash the check only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted. 

My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was  not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they  don't care if you go somewhere else only so they can keep your money. 

I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XX/XX/2020 reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XX/XX/2020, XX/XX/2020 AND on XX/XX/2020, I wrote to TransUnion, XXXX and XXXX as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

TransUnion, XXXX, and XXXX continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
synchrony bank credit card -home and paypal Threatening collection letters from XXXX XXXX claiming I need to contact them. I reached out after over 40minut3s XXXX XXXX transferred call to collection dept both saying each others issue. Can not resolve collections forbearance and civid aid to help during pandemic. No job no income all debts have to be in forbearance for now trying not to file bk and settle all legal actions and collections but keep getting run around all attempts over 4 attempts all over 45 minutes before frustration and continued transfers result in giving up. No help by creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, nor are these names and addresses listed on file. Please remove 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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO

Complaint narrative:
I have paid over 85 % of the debt, and I have contacted CONSERVE several times asking that the remainder of the debt be discharged and have my credit report updated. However, I have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor are these names and addresses listed on file. Please remove 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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts, nor are these names and addresses listed on file. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXXXXXX XXXX  {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my 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