vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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 can't get information as to why this company XXXX has paperwork signed by me on a debt they are unable to prove with original promissory note.

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 2021-03-09 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 TRANSUNION took it upon themselves to remove my 4 year perfect history account from my credit report! This account is still active and SHOULD HAVE NEVER BEEN REMOVED! My score dropped. So TRANSUNION needs to do their jobs and fix this ASAP and make sure my score gets brought back to where it belongs. Account XXXX XXXX XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This is the second time I filing a complaint about Citi credit card. The first complaint was filed on XX/XX/XXXX. The ID # XXXX. Citi sent me a letter explaining why they are not able to resolve my dispute. However, in a typical for this company manner, they completely ignored what was in my complaint. My complaint was about how they failed to update the disputed amount from {$7200.00} to {$1000.00} for over 2 months. As, a result they didn't to apply the {$6200.00} to my account that I sent on XX/XX/XXXX and continued to pursue the dispute for {$7200.00}. They failed me as a customer every step of the way. Their dispute department failed to update the amount after seven calls and three emails and two letters that I sent them. Now they are planning to collect the interest and the fees from me for the whole disputed amount {$7200.00} although {$6200.00} have been sitting in the account for 2 months. There was not one sentence in the letter about how the dispute department failed to update the amount and lied to me every time I called and no apology for their terrible customer service. And in a typical Citi matter, after I made a phone call to the representative from the Citi Executive Response Team that was assigned to my case, he never returned my phone call. 
How can this company continue to conduct business in such a disrespectful and negligent way! There was no acknowledgement or apology about failures in the Dispute Department about updating the disputed amount! I am completely outraged! This is bad business!

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 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX who contacted my daughter to reach me. She stated I could settle 3 debts of XXXX XXXX and XXXX for XXXX. XXXX called today XX/XX/2021 and stated I only resolved one bill. This company use deceptive business Practices to obtain money. I spoke with XXXX XXXX who said I cant help you I dont have your file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
THERE WAS NO OPTION THAT CLOSELY RELATED TO MY ISSUE. I CALLED CREDENCE TO DISPUTE THIS ITEM AS I HAD DISPUTED IT THRU XXXX XXXX ONCE AND IT WAS REMOVED FROM MY CREDIT AND THEN RE-APPEARED. THIS ITEM WAS FROM A PROMOTION TO SWITCH FROM XXXX  TO XXXX. I DID WHAT I WAS SUPPOSED TO AND XXXX NEVER PAID XXXX. I DONT FEEL LIKE I SHOULD HAVE TO THIS IMPACT ME NEGATIVELY WHEN XXXX DID NOT DO WHAT THEY WERE SUPPOSED TO DO. I SPOKE WITH CREDENCE WHO SAID I SUPPOSEDLY RECEIVED A GIFT CARD TO PAY XXXX. I NEVER RECEIVED A GIFT CARD. IF SOMEONE IS WILLING TO INVESTIGATE IM SURE YOU CAN DETERMINE THAT ANY GIFT CARD THAT WAS SUPPOSEDLY SENT TO ME WAS NEVER USED ( THEY SHOULD HAVE THE CARD NUMBER ON FILE ) OR IF THE CARD WAS USED, THEN FURTHER INVESTIGATION WOULD SHOW THAT IT WAS NOT USED BY ME OR ANYONE THAT I KNOW. I OBTAINED PERMISSION FROM THE CREDENCE REP TO RECORD THE CALL. I WAS ASSURED COUNTLESS TIMES OVER THE COURSE OF OUR CALL THAT IF I SETTLE THE DEBT FOR LESS THE ITEM WOULD BE DELETED FROM MY CREDIT AND THAT I WOULD NOT REPORT AS " SETTLED FOR LESS '' OR ANYTHING TO THAT EFFECT. OF COURSE I GET A NOTIFICATION TODAY THAT SAYS THERE IS NEGATIVE ACTIVITY ON MY CREDIT AND THEY HAVE REPORTED IT AS " LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE '' I CALLED THEM TO ALLOW THEM THE OPPORTUNITY TO CORRECT THIS AND THEY REFUSED. AGAIN I HAVE THE INTITIAL CONVERSATION RECORDED AND CAN PROVIDE THAT IF YOU WOULD LIKE. I WANT TO MENTION AGAIN THAT I OBTAINED THE REPRESENTATIVES PERMISSION TO RECORD THE CALL. PLEASE PROCEED WITH AN INVESTIGATION BECAUSE IF I HAD NOT BEEN LIED TO I WOULD HAVE PAID THE BALANCE IN FULL WHICH IM SURE THEY WOULD HAVE WANTED. I CAN NOT AFFORD TO HAVE NEGATIVE ITEMS ON MY CREDIT AND THEY LIED TO OBTAIN A PAYMENT. UNETHICAL SHADY BUSINESS PRACTICES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian hasn't updated my credit profile to reflect current credit card usage, payment history, loan information, and updated credit score. This is resulting in denial of balance increasing and gaining more credit due to companies using Experian to research credit history.

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 2021-03-09 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: FL

Complaint narrative:
I had a XXXX XXXX XXXX Financed with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

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 2021-03-09 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

Complaint narrative:
PayPal closed my account for reasons unknown and won't assist me with getting it back up and going. I don't know whether this is some slip-up as I accept it must be. I have not had the option to find support from them for quite a long time however I just recollected that I could document a report on here as I feel they are not tackling their work appropriately and it is affecting me an incredible arrangement as I utilized PayPal habitually. My email connected to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took out a loan with this organization. I set up a ledger with them to pay online. I set up an early pay-off plan which should deal with my full balance and encouraged them to process the payments online. I was guaranteed they would do that. I didn't have the sum settled after debited from my card so after signing into their online entry I see that they have recorded for a different card I initially joined with. They endeavored to disclose to me that it was only the name of the bank that was changed, not the record number. In any case, they charged me various expenses corresponding to some late fees that they will not discount, have announced it as late 30 days on my credit report making my score drop. I likewise track down that changing my data is a gross infringement of my monetary data and they would not assume any liability for this and appeared as though they were attempting to cover it up that they didn't include the right installment data after various client support solicitations and they were attempting to gather installment by whatever method with a record that was not in the loan application. Since XXXX has an option that in the event that you pay before 90 days, you pay the specific amount of the credit you apply for, At that point, I did the payout over their mechanized assistance. Since the installment didn't go through they charge me twofold of the sum concurred and are reporting erroneously

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021 trying to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I have submitted this complaint in a prior complaint regarding XXXX  and National Credit Adjustment. They did provide a response however, it was not satisfactory. Since then the same collection has reported different information with XXXX Instead of just removing the item XXXX and XXXX continue to allow this collection agency to place false information on my credit with no verification. On XX/XX/XXXX, I disputed the information again. This is the second time it has occurred where false information has been placed on my credit report in less than a year. XXXX  attempted to keep me from disputing it online because they said it was resolved. This item was removed last year from my credit at both reporting agencies and this debt has been sold to a new agency and they are attempting to place the information on my credit as a brand new collection dating it for XX/XX/2019. It is impossible that this could have occurred due to personal circumstances I will not provide because they will simply change the dates to keep this on my credit. I have contacted an attorney regarding this matter and if this is not resolved I am prepared to file this as a class action against both reporting agencies because this is ridiculous. Its a game they are playing and the reporting agencies are not requiring proof. Since this was a new collection agency they were required under the law to verify the debt with me first. That did not occur. have not received any proof of the debt from either reporting agency or the creditor. At this time they all need to fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, If someone can assists me I would be really grateful. 
Looking forward for a reply soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2021-03-09 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: FL

Complaint narrative:
TransUnion received an update from the Department of Education  today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.

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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
i tried to find out why the company was always charging me for remittances i never did. i just discovered it last XX/XX/2021, because i didn't have time to verify charges that were being done by this company as i got XXXX while in the XXXX, and more so the wifi system in the XXXX was inefficient. as soon as i reach america on XX/XX/XXXX, i iinvestigated and discovered that the company has charged me every now and then for a remittance that was never initiated. the amount taken from my XXXX XXXX XXXX  amounted to {$49000.00} for the whole year of XXXX i reported the scam to my bank, XXXX XXXX XXXX XXXX but the bank seems to be knowing the scam. the investigator reported to me that on their end, they knew only $ XXXX were scammed because some details could not be verified. then suddenly, XXXX XXXX XXXX changed tune, and said that they can only charge back aeround $ XXXX because i discovered late that scam that was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: RI

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021 trying to fix the situation.

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 2021-03-09 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021 trying to fix the situation.

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