vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: DC

Complaint narrative:
There are accounts on my credit report that are not my accounts! I was going over my credit earlier today when I noticed them! I am freaking out! I have never heard of anything like this before! Who gave permission to put someone else accounts on my credit? This is an unacceptable mistake or fraud! I am the only one who has access to my personal information and the only one allowed to us it. So how did this happen? Now my credit is so bad that I cant even get approved to move into a new apt . Help me 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 2021-02-17 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: NY

Complaint narrative:
Inaccurate information reporting on my credit report and my dispute is being ignored and have surpass 30 days of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
Citibank Billing Dispute/Case # : XXXX I am the victim of a scam, perpetrated by XXXX XXXX XXXX in the amount of XXXX Originally on XX/XX/20, I wanted to order a XXXX bottle of XXXX  oil  on a website. While on the website, XXXX.XXXX, a page popped up about another product & I couldnt figure out how to navigate away from it, so somehow XXXX billed me XXXX. I received both products, but I called Citi to dispute the XXXX charge and they were reversed. I offered to send back both items. 
Upon checking my online activity, I saw a charge on XX/XX/20 for XXXX from XXXX. I knew I never ordered from them, nor had I received anything. I called their XXXX # on the statement & the Representative was very nasty and told me I would have to pay for it. 
I am XXXX & would not order a muscle building product! I dont understand how this happened. I have no emails from any of the three websites confirming order or shipment. Their own return policy states We believe in complete customer satisfaction. You have 30 days to request a refund after you have placed your order. If I had received anything, I would have requested a return & returned it. But I was charged XXXX with no order confirmation, AND RECEIVED NOTHING. Citibank insists I provide documentation showing the Merchant agreed to credit my account how can I show a paper trail when I didnt receive anything, including the XXXX bottle? The XXXX has not had to provide proof it was shipped to me, yet they are given the benefit of the doubt. This is a total scam that started when I bought a XXXX bottle of XXXX and snowballed into this. 
Thank you.

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 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Timeline : XX/XX/XXXX - Requested cashier 's check from my bank, Simple/BBVA, in the amount of $ XXXX for a down payment on a car. Simple says they will overnight the check. 

XX/XX/XXXX - Simple debits my account for the $ XXXX. 

XX/XX/XXXX - Simple sends me a XXXX  tracking number for an overnight delivery ( XXXX XXXX XXXX ). 

XX/XX/XXXX - I have not received the check, but the funds are still missing from my account, which means I can not access *** $ XXXX, which is a substantial portion of my net worth. 

I called Simple and was on hold for literally two hours. I spoke to XXXX XXXX He said he did not know where the check was and did not know how to find it. He said there was nothing he can do. 

I called BBVA. They had a record of the check but said there was nothing they could do to locate it and recommended I call Simple. They also referred me to a local BBVA branch that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX  accounts of the so called atty but has not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NC

Complaint narrative:
I have wrote several letters and XXXX card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to XXXX and XXXX my rental application for XXXX XXXX was denied because of the following below : This decision was taken for the following reasons : Rental history Prior to this denial, XXXX  directly called my prior landlord at XXXX XXXX XXXX. 
XXXX came back to me, stating I owed a balance of {$3100.00}. XXXX XXXX XXXX provided them with false information and I told XXXX that. However, they still denied my rental application solely based on a verbal from my previous landlord, rather than a derogatory mark or collections on my credit report. As of today I have zero derogatory mark or collections on my credit report. 

I have Experian report under XXXX which I have no idea why this is there. XXXX gave me XXXX  name and address, but provided nothing for Experian in the denial email they sent to me. 

XXXX stated in the denial email verbatim that, " The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why adverse action was taken. '' They can't give me a specific reason because it isn't on my credit report, and they took a verbal from a landlord.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
There are 3 late payments on my credit accounts that have happened on XX/XX/2020, XX/XX/2020, XX/XX/2020 on my CCB/XXXX 1 Account with XXXX XXXX through Comenity Bank. These are incorrect. The company was doing COVID forgiveness at the moment and lied to me. Please investigate these late payments at your earliest possible convenience, as I do not recall being late on the account in question and I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score shows an accurate depiction of my creditworthiness.

Please update me with a full report on your findings and how the item was validated within the next two weeks. I look forward to having this situation rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XXXX of 2020, I've been asking SunTrust for help with multiple account and BillPay issues. In response ( retaliation? ) for me pointing out how incredibly difficult and useless their 'customer service ' systems are, they opted to close my accounts. 
I have an open dispute with them for {$560.00}, there are multiple fees charged that need to be removed, and there was money in some of my accounts that they have not returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: APLUS INSTACASH LLC dba A+ FINANCE
State: GA

Complaint narrative:
A plus loan is reporting inaccuratly, still shows charge off with a Balance when I have completely paid the loan off in XX/XX/3021 and was advised would take 30 days to update and will also be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX As much as a year ago Midland Credit Management ( MCM ) contacted me by telephone attempting to collect an amount owed in connection with XXXX XXXX/XXXX XXXX. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from MCM ( account number XXXX ) identifying the purported creditor ( XXXX XXXX-XXXX XXXX ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, Tennessee, XXXX and forwarded to me at a temporary address in New York. 

That same day, I responded to MCM ( letter attached ) categorically denying the obligation to be mine and requested MCM send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from MCM offering to discount the amount owed if paid in full. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from MCM and none of the requested materials. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from MCM and none of the requested materials. Today, XX/XX/XXXX, I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 recently froze my account for 180 days for absolutely no reason. I tried to reach them but to no avail, they did nothing about it. This has influenced my freelancing hustle a lot till I heard of you. I feel hat this coming from you will make them do their job better, and clear the misunderstanding. The email linked to my Paypal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting a method of investigation for inaccurate accounts that were claimed to be verified so that I could follow up. The FCRA gives 15 days for this information to get to me. However, it has been 6 weeks and I still haven't received the request!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed another letter about inaccurate accounts listed on my credit report. It has been almost two months and I still haven't heard from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have reported to both American Express and first premier bank that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. XXXX  and XXXX  shouldnt allow American Express to repot a closed account be re aged with out an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened QuickSilver credit card with Capitol One bank sometime in XX/XX/2020. The lady on the phone sometime in XXXX before I did a transfer from XXXX XXXX bank told me over the phone that the percentage on the cards here would be 19 %. 
My interest in XXXX XXXX were very high, so I decided to transfer the money to Capitol One bank on QuickSilver card. 
I transferred 2 different balances XX/XX/2020 - {$1200.00}. 
XX/XX/2020 {$610.00}. 
I was surprised when I found out that they Are charging me % 26. It is the same I had on another card from which I transferred the money! 
I talked to 2 managers, with one today name XXXX. 
It is useless. Why then the lady gave me the wrong info? 
I can not pay such a huge percentage! After COVID 19 started my hours at work were reduced to 15! Now 20. I have a lot of medical expenses. The only thing I can do is to file for bankruptcy, which I don't really want to. 
I wonder if you could talk to them. It is unfair. I could do the transfer to some other bank with lower percentage. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX As much as a year ago XXXX XXXX XXXX ( XXXX  ) contacted me by telephone attempting to collect an amount owed in connection with PayPal Credit/Synchrony Bank. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from XXXX  ( account number XXXX ) identifying the purported creditor ( Synchrony Bank-PayPal Credit ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, XXXX, XXXX and forwarded to me at a temporary address in XXXX XXXX. 

That same day, I responded to XXXX  ( letter attached ) categorically denying the obligation to be mine and requested XXXX  send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from XXXX  offering to discount the amount owed if paid in full. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from XXXX  and none of the requested materials. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from XXXX  and none of the requested materials. Today, XX/XX/XXXX, I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.

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 2021-02-17 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: Total Card, Inc.
State: AR

Complaint narrative:
TCI-TOTAL CARD, INC. TCI SOLUTIONS AND THE XXXX  XXXX  XXXX  HAVE SEVERAL CREDIT CARD BRANDS, NOTRIOUS FOR DECEPTIVE ADVERSTISEMENT AND MARKETING DESIGNED TO MAKE YOU FAIL BY VIOLATING F.C.R.A.-FAIR BILLING ACT ALONG WITH THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I receive one call each day from Portfolio Recovery Associates. LLC. If I answer the telephone they use questioning techniques to gather information, and will not provide information about my supposed debt without answering all their questions, including my employer and spouse.

Over a year ago, I told them not to call me. They said I would have to send a letter. I have sent 3 letters since XX/XX/2020. I sent them to the address they gave me : Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX The calls have never stopped. Recently one of their debt collectors laughed when I told him that, and said, " Maybe you should just pay your debts.

What can I do to stop these people from harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX superior court of new jersey. the debt was paid in full XXXX XXXX said the company did not want any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
I opened this account last week online, my card was delivered today. I activated it and attempted to use it and at the atm for {$400.00} and it declined. I called the number on the back of the card and now Im told I cant pass otp verification even though this is my only number and the number I signed up with on the account for. Yall literally have credit card settings on a XXXX debit card this is my money not yours! Your not lending me anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NC

Complaint narrative:
I have reported to both XXXX XXXX and XXXX  XXXX  XXXX that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. Transunion and XXXX  shouldnt allow XXXX XXXX to repot a closed account be re aged with out an investigation

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