vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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:
I make my credit card payment early every month, and half of the time they reject the payment and the other half they don't - using the same exact bank information. I pay tons of other bills the same way and none of them get rejected. The account has money in it and all information is accurate. 

I've called to ask them why they're rejecting my payment and they say they don't know and that it's my bank account 's issue. I've called the bank account ( XXXX ) and they said it is the credit card I believe they're " rejecting '' my payment so that I wind up late on my payment and therefore subject to late interest and other penalties, even though I pay early every month. They don't tell me the payment has been rejected until 2-3 weeks later after it's already late. 

The credit card company that I am writing to complain about is Synchrony Financial. They are also impossible to get on the phone and provide as little information as possible.

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 2018-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this account has been disputed and removed once for errors and it keeps showing up on my reports.

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 2018-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this account has been disputed and removed once for errors and it keeps showing up on my reports.

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 2018-10-15 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.

Complaint narrative:
I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
cash central loan was bought by their subsidiary and paid off yet it is still showing on my XXXX and XXXX  credit reports as a negative account. I am being doubly credited on my credit account. one of the accounts needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
The company continues to call and this was paid in full - The doctor 's office neglected to file the claim appropriately as they filed it under the wrong patient name thus my insurance declined the claim. I have talked with the insurance company and they paid the claim and the doctor 's office cashed their check in XX/XX/2018. The collection agency will not remove off my report. This should never had made it on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a hard inquiry on XX/XX/2018 from XXXX that states it is a airline/hotel credit card but I have not applied for anything. I have read several complaints on this " nonexisting '' company. Company information is as follows XXXX. XXXX XXXX XXXX, FLA 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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: NY

Complaint narrative:
XXXX is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.

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 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
This account was paid in full - They cashed the check XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mnet Financial Inc
State: TX

Complaint narrative:
Mnet Financial has called me and left messages for me regarding a debt at my place of employment, despite being told not to. The most recent message was left on my work voice mail on XX/XX/2018 at XXXX CDT.

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 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX  that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
On XX/XX/2018 I gave {$2000.00} in cash to a Western Union agent in a XXXX XXXX XXXX   XXXX  in XXXX XXXX South Carolina. The money was to be transferred to a friend in XXXX XXXX. I was told by Western Union that the money was transferred and available for pickup by the recipient. 

On XX/XX/XXXX the recipient informed me the money was not available. He had the WU tracking number but the agent in XXXX XXXX informed him the money was not transferred. I called Western Union and they said they had a few questions for me before they would sent the money despite telling me on the XXXX the money had transferred. I explained that the money was for a friend whom I know well and have sent money to previously. The Western Union agent then told me Western Union would not allow the transfer as it sounded like a " scam '' to them. The agent on the phone told me I could collect my money at the XXXX XXXX where I made the initial payment on XX/XX/XXXX. The Western Union at XXXX XXXX told me they could not return my money as store policy limits them to {$1000.00} refunds. I called WU again on the same day and they advised me to try another local agent. I went to a XXXX XXXX where they have WU agents and was told the same thing. " We don't do refunds over {$1000.00}. '' Still XX/XX/XXXX, Western Union advised me on the phone to try other agents in and around XXXX XXXX. I went to a XXXX XXXX  in XXXX XXXX which was supposed to be another Western Union agent. XXXX XXXX  told me their WU system was down and they did not know when it would be " up '' again. I called a fourth agent, in a check cashing establishment, and they said " they don't have that much cash on hand. '' XX/XX/XXXX I called Western Union again and spoke to a man who identified himself as XXXX, agent XXXX. XXXX assigned a case number to my issue and further explained that I would receive a refund in the mail by XX/XX/XXXX. XXXX told me to call him back if I had any further problems. 

On XX/XX/XXXX I called Western Union to check on the status of the check. Their agent could not help me and he ( XXXX ) suggested I try to retrieve my refund in person. He was not able to transfer me to XXXX. 

On XX/XX/XXXX I spoke to an agent named XXXX who said they had no way of tracking the check but he would send an email to the department responsible for refunds/checks, copy me, and ascertain the status of the check. I never heard from Western Union one way or the other. 

XX/XX/XXXX I called WU yet again to see if any could assist me as I have not yet received the check. I spoke to two agents. The second one told me the check was sent on XX/XX/2018. Although it's more than two weeks I haven't received my refund. The agent assured me he would send an email to the appropriate department and copy me. As of this date, XX/XX/2018, I have not received an email nor a refund from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have repeatedly asked for validation of this debt, and all they send is a statement with a balance owed and no details. The collection notice has been sent in XXXX. Their debt collectors have threatened me with going to court and showing up at my work. I have tried on many occasions to resolve this issue with the company, and when I ask for proof of the debt, I am either hung up on threatened. This is not my debt, I never received this card. They are enabling my ability to receive private student loans. I have been a victim of identity theft on more than one occasion and have provided FTC Complaint numbers to them and the credit bureaus. I have also filed numerous reports with postal service about not getting my mail. These people can not threaten me or continue to falsely accuse me of this debt. It needs to be removed from my credit file immediately. My XXXX account was hacked on more than one instance and my personal information was exposed. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services are adamant about not only collecting a debt, that does not belong to me, but are ruining my once pristine credit reports, by doing so. I have submitted an ftc affidavit, a police report, and other baseline identifiers to not only articulate my case, but to substantiate it as well. XXXX XXXX removed this fraudulent account from my credit profile, only to have discover convey to them ( XXXX XXXX ), to place this account back on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: NY

Complaint narrative:
I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my XXXX credit report for months now. To reach a live rep at XXXX was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however XXXX is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't XXXX  receving the same response? I do not no what is reporting on transunion as I haven't been able to view a current report from them either. I requested an updated transunion report but never receveid one.

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 2018-10-15 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: UT

Complaint narrative:
Experian, XXXX, and XXXX are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.

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 2018-10-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Today I tried calling equifax to dispute items on my credit report and the Representative refused to dispute and item as requested I was told that the only items that I can dispute on my credit report was negative items that I was unable to dispute anything else. I was also told that Equifax had laws that prevented me from doing so. When I asked to speak to a supervisor she also refused to dispute the item. I told them both that it was my right under the FCRA told dispute what ever I felt was incorrect on my credit Report and they both refused when I told them they were breaking the law and violating my rights they both didnt seem to understand that. I called back to complain the person who took that call was clueless as well I disputed items with XXXX  and XXXX  today without a problem. Ive also requested a credit report from Equifax and never received it. And I was unable to file my dispute over the phone I was told to do it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AS IN XXXX XXXX, XXXX XXXX, AND XXXX XXXX.I have proof that it has been removed and have proof of showing as a new collection. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today, XXXX, I received notification of a hard inquiry made on my credit by Citibank, listed as : CITICARDS or CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX My XXXX  credit report states, " CITICARDS obtained a copy of your XXXX Credit Report. 
A lender has requested a copy of your Credit Report for an installment loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. '' I made no request for an installment loan from this bank. Either someone else has instigated such a request with this bank using my identity, or the bank took it upon itself to perform a hard inquiry without my request, permission, or knowledge.

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