vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 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/XXXX I obtained a copy of my TransUnion report and found an item that was not mine. A debt was being reported as : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX ( this is cut and pasted from the XX/XX/XXXX TransUnion Report ) I  wrote to this collection agency several times asking for verification of the debt and several times the letter was returned as an incorrect address. The Post Office ultimately informed me the address did not even exist when I tried to send a certified letter. This process cost me several months of bad information being reported. 

I both phoned and wrote a letter to TransUnion informing the company that it was required by law to provide correct contact information in its reports. TU continued to report the debt and I was never able to contact the creditor. This entry has now remained in my report for two and one half years. 

On XX/XX/XXXX I again obtained a copy of my TransUnion credit report. It is still reporting the address of the collection agency as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, NV XXXX ( This is cut and pasted from the XX/XX/XXXX TransUnion Report ) TransUnion has done nothing to correct this issue. It does have an obligtion to either report the correct address of it's clients purusant to the FCRA. This has not only affected me, but presumably every other person who has tried to contact this collection agent by mail. TransUnion has been extremely negligent in this regard. 

I do not expect much from TransUnion except a stock response " contact the collection agent '', etc. However, I do intend on using this complaint to the CFPB as well as the expected stock response to this instant complaint to form the basis for a lawsuit against TransUnion. So, go ahead, TransUnion ... igonre this for the third time over the course of YEARS with a stock response which, once again, does nothing to address the issue.

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 2019-01-05 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: IL

Complaint narrative:
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX  , XXXX  , XXXX XXXX and 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 2019-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
Ford Credit sent information to this XXXX/customers personal financial banking institution that resulted in a halt of funds for the required agreed upon monthly payment. During this time, this customer, went to the Ford Credit website to apply payment. This customer paid according to the displayed due balance listed on Ford Credits website. This resulted in an unpaid portion of {$29.00}. Notification to this consumer of the unpaid balance did not reside, however, a 30 day late status was reported to all 3 credit bureaus. 

Previous to this experience, this writer, frequently submitted payments over the agreed to amount/balance due, so seeing a change in the amount due was not uncommon. 

This customer has written a letter, including the facts above, to Ford Credit.

Correspondence was received from Ford Credit by the writer. Ford Credit disputed this customer paying via their personal autopay financial institution. This is simply not true. 

The unpaid {$29.00} was an oversight resulting from the Ford website  reporting a balance that differentiated from the ebill. This writer has taken screenshots of the error as it has happened again following the date of the stated grevience. 

This XXXX/customer has reached out to Ford Credits customer service with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 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: IL

Complaint narrative:
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX   XXXX, XXXX  XXXX XXXX  , XXXX , XXXX, XXXX , XXXX XXXX,  XXXX  ,, XXXX XXXX , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX  , XXXX XXXX  and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: IL

Complaint narrative:
have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  , XXXX, XXXX , XXXX XXXX, XXXX ,, XXXX XXXX  , XXXX  , XXXX XXXX, XXXX  , XXXX XXXX, XXXX XXXX, XXXX  , XXXX XXXX , XXXX , XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was never received any notification that would be charge a membership few and on top of not getting a notification, I was charged a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.

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 2019-01-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went through a modification process with XXXX XXXX some years ago, account number XXXX. There were 3 different modification specialists that made errors while I went through the process making the process way more extensive than the normal processing time. Due to their error, mishandling of documents sent via fax and other issues that were no fault of my own. Continuously contacting them to verify documents and being told to wait and then after numerous months they would again claim they didnt have the documents which eventually admitting they had which I knew they had as I had faxed. I would complain about the reps being neglectful and each time, I had to start over with another rep doing the same thing and not being informed throughout this extended process that they put late payments on my credit report again because of their neglect numerous late payments were put on my credit reports which was not fair and I am being penalized. I have been a loyal customer with this organization. I have been loyal to this organization and I have had 3 homes with the organizations transitions. I started off with XXXX XXXX, then XXXX now XXXX XXXX. This is not right for me to be penalized with all of these late history payment recorded. This obsolete account has been on my credit reports since XX/XX/2005 and they have uncountable unfair late payments recorded for my history of payments.

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 2019-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, The reason for taking the time to write this is in hopes of getting to someone that can help me respectfully and to the best of their ability. I have been calling Experians dispute center for the past week already. today is XX/XX/XXXX. todays call was the worst. I am currently trying to get a mortgage on a house. my lender lady informed me she was unable to pull a preapproval for me due to an inaccurate reporting of a charge off i had back in XXXX. My lender has been doing this for a LONG time and has never seen this type of situation as i am having now. Her and her team of credit experts and credit repair people had advised me to call the  person reporting my bad credit to get the date fixed on the DATE LAST ACTIVE because on my credit she said it looked as though it just happen rather than it being charged off years ago. i called they said theyd send a letter to the middle man and get that fixed.. well my mortgage lady suggested i also call the credit bureaus and make sure they corrected that as well. she then told me that the only one reporting it wrong was experian that XXXX was reporting the date last active as the date it got charged off. well i called experian twice and they were unable to help me. I am terrible with words and do not like conflict. My mortgage lady then got furious that experian was being no help at all. she offered to do a conference meeting with experian and myself so she may speak in my behalf. Well that call was today XX/XX/XXXX at around XXXX i forgot the guys name but he was rude towards the end when we asked to speak with a manager. he insisted that his answer was correct instead of just letting us speak with his manager to let us verify and make sure, he kept arguying and responding back rudely until finally he said " ill get you the manager theyre just going to tell you the same thing i just did '' he put us on hold for what felt like a good 10 minutes just to hang up on us afterward. what kind of customer service is this? i cant believe this is the way we were treated.

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 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
I received a " Notice of Debt '' for {$80.00} for driving through a tunnel in Virginia. The bill has no date, no license number on the bill, no picture to verify it was my vehicle, and it was sent to an address that is not my DMV address and is not currently nor has not ever been my drivers license address. I am concerned this is a scam. I never received an original notice from XXXX XXXX XXXX so I would like proof of the original invoice with the charges on that bill if there was one and where it was mailed ( with same identifying information requested above ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2014 I went to XXXX XXXX to have XXXX XXXX from my XXXX they did 1 session approved me for card XXXX. After session I was told laser would only pick up dark hairs that was 20 % the largest part of my facial hairs are grey so I would have to try another option they offer. So I refused paid {$170.00} they continue to sell to collection agency XXXX XXXX I have asked numerous times for itemize charges I used {$4100.00} I never get because 1 session did not cost XXXX XXXX and I believe the 1 session I did and paid XXXX was fair they continue to ruin my credit and I'm constantly getting calls about suing me. Please help me I have other issues I'm fighting XXXX XXXX and I constantly have to deal with this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On the XXXX of XXXX, someone in far away California, who had probably found a way to clone my card, and deduce my pin number ( as informed by Police ) went ahead and deducted {$160.00} from my account. At XXXX on the same day, I in XXXX Maryland tried to check for my payment from my job, and found the said amount had been deducted, since then I have requested investigation, reported to the Police, yet Citibank keeps reimbursing and then going ahead to later deduct this said amount, after they claim that " this activity is consistent with my normal banking activities '' ... Please how would I have used my ATM in California at XXXX and then come to my bank in Maryland at XXXX and XXXX to complain?? How could I have gone to work the night before in Maryland then be in California by XXXX on 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 2019-01-05 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Hello, I recently moved services with XXXX back in XX/XX/2018 but I was unable to transfer my services because it was offered at our new location. I paid my final bill with XXXX and went about my business. Today I get a notification from XXXX, XXXX and XXXX that I have a collection on my credit report for {$260.00}. Please investigate and have said company remove this collection from my credit report as I am preparing to buy a home. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX  they told me they sent fund to your bank but they don't know when they release fund to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX, UTILITIES, UNNAMED APARTMENT COMPLEX WITH FRAUD ADDRESS, FRAUD ADDRESS IN XXXX, TX

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 2019-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I noticed this company on my credit report, i have sent Certified mail a Debt validation letter to request a copy where i signed or a contract i have with this company United Revenue Corp. The first response i received on XX/XX/2018 from them was a typed letter of Dr services from XXXX XXXX XXXX XXXX for {$270.00} nothing else to validate it was me. I sent out a second letter explaining this and i received the same response on XX/XX/2018 since then they have refused to acknowledge my mail or respond. i want this negative item removed from my credit report as it is affecting it negatively.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Description of Complaint : MY MOM, XXXX XXXX XXXX, HAD A CAR, A XXXX XXXX XXXX, THAT WAS FINANCED THROUGH XXXX XXXX. I WAS MAKING THE PAYMENTS. MY MOM WENT INTO THE XXXX XXXX IN XX/XX/XXXX. XXXX XXXX CLAIMED SHE DID NOT HAVE CREDIT LIFE INSURANCE. THAT WAS A LIE. MY MOTHER PASSED AWAY ON XX/XX/XXXX AT XXXX XXXX IN THE MORNING. XXXX XXXX REPOSSESSED THE CAR AFTER HER DEATH. THE CAR SHOULD HAVE BEEN PAID OFF AND GIVEN TO THE BENEFICIARY. I AM THE BENEFICIARY. THEY NEVER ONCE CONTACTED ME AFTER REPOSSESSING THE CAR. I WAS UNABLE TO CONTACT THEM. THEY NEED TO SEND ME THE CAR OR PAY ME THE DIFFERENCE OF {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This creditor is reporting negatively on my credit report. I send a debt validation letter and i received a print out on XX/XX/XXXX. The letter is not any verification of debt with this company, i sent a second letter on XX/XX/XXXX and i have never received any response back even though my letters were send certified mail. This Debt is for XXXX originally from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Company lied about interest rates and i never even used the 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 2019-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Law effective XX/XX/2017 any public record data must include NAME and ADDRESS as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new Law true Bankruptcy listed does not include this information and should be deleted from 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