vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: TN

Complaint narrative:
My complaint is against Freedom Debt Relief. I signed up with them because they said they could settle my debt quickly and improve my credit score. I paid them {$590.00} twice per month. I got several alerts that settlements had been made, but to my surprise, after over a year of paying them every month, none of my accounts have been settled. On top of that, they took {$590.00} out of my personal banking account on a date that was not allowed or authorized by me. My bank had to work to get that money back in my personal account because Freedom Debt Relief would not. I tried talking with them, I spoke with supervisors and I spoke with XXXX XXXX and they would not help. 
Freedom Debt Relief has mislead me and made my financial situation worse. They told me not to pay on my debt and tell anyone that calls that my debt was being handled by Freedom Debt Relief however, nothing was settled. 

They mislead me about their services, my rights, their negotiating power etc. They told me they can negotiate with any creditor and thats why i dont have to take any creditor calls. And if they say FDR cant work with them, then they are lying to me. But really, Freedom Debt Relief ( FDR ) was  lying to me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
they are ignoring my e-mails and letters and phone calls.  I can afford my month mortgage payment; I feel behind in XX/XX/2019 due to a martial separation and family emergency; I made a payment of $XXXX in XX/XX/2019. they refuse to help me and they are sabotaging my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Cell phone : XXXX Office : XXXX Email : XXXX Office : XXXX On Sunday XX/XX/2019 I received a called from an 800 number, I answered, and they said it was BEST BUY CREDIT regarding a past due balance, I was not aware of any charge on my BEST BUY CARD. 
After spending about an hour and speaking to 5 different people we finally identified the {$21.00} charged on my account. On XX/XX/2019 I made a purchase online and I chose to be pay with the available credit on the account, it looks like they charged me {$21.00} even though I had more than enough credit to cover the full purchase price. As of today, XX/XX/2019 I still have a {$95.00} credit for purchases on Best Buy, I still don't understand why I was charged if I had {$95.00} of credit available. 
I never received a statement or a past due notice from best buy, also when I attempted to access the online account I was blocked from the system, ( I have access now ). After identifying the transaction, I paid the {$21.00} and a {$26.00} fee in order to bring my account to current and XXXX balance ( even though I didnt agree or authorized the charge ). I made this payment on XX/XX/2019 with a debit card, I was assured the balanced on my account was current and {$0.00}. On XX/XX/2019, best buy reported my account as having an {$86.00} past due balance. I contacted BEST BUY today and I was told they will notify the three credit bureaus that my account is current as paid as agreed, but I honestly don't have much hope they will do it unless I filed a formal complaint. I am sending copy of the {$95.00} credit on my account and the {$0.00} balance on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: GA

Complaint narrative:
XXXX and Experian have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX/XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removed. XXXX has complied and I would like Experian and XXXX to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and 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 non-monetary relief
Consumer complaint received 2019-08-07 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/19 A charge by XXXX XXXX for {$26.00}, Have advised the TD Card services, spoke with XXXX, she said it was a small charge and will issue a dispute, give a temporary credit. 

I offered her an email that was sent to XXXX XXXX disputing and informing the charge was invalid and unauthorized, she then said that the credit be permanent. 

Well nothing happened. Nothing was done by TD card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
-1- am XXXX XXXX and live on soveirgn land -2- XXXX closed account and then sold to XXXX XXXX, inc. as did XXXX XXXX XXXX -3- living on XXXX, XXXX took me to court in XXXX county, my XXXX is in XXXX county but not legal to take me to court there.as we do not adhere to judgements and such. 
-4- talked to an attorney here on my XXXX, whom I did not hire but is at my disposal if needed. 
-5- contacted my boss at my job and send info to him to try to collect this debt<XXXX> my boss refused to give any information. 
-6- would like these debts to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX filed a False Proof of Claim for a corporate debt that was discharged in a XX/XX/XXXXChapter XXXX corporate bankruptcy for the amount of {$840.00} which included additional interest since the debt was fully discharged in XX/XX/XXXX. XXXX was the very same law firm that filed in the case NO. XXXX. I have sent one email requesting a withdraw from my personal Chapter XXXX filing case NO. XXXX. I also mailed a certified letter that included a return receipt signed for on XX/XX/XXXX. XXXX refuses to contact me or withdraw the unlawful proof of claim that was never my personal responsibility. I am requesting that your agency contact XXXX XXXX XXXX, XXXX and take the proper actions to stop their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
CREDENCE RESOURCE MANAGE I DON'T KNOW WHY XXXX XXXX IS CHARGING ME THE AMOUNT OF {$1000.00}. I CALL THEM LONG TIME AGO AND THEY NEVER SENT ME ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: MD

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted Transunion today XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.

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 2019-08-07 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days. 

I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period. 

I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.

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 2019-08-07 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: SC

Complaint narrative:
I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX  has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.

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 2019-08-07 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have a collection listed for XXXX XXXX XXXX, this debt was reported before litigation was finished. When we appeared in court we settled payed what we had due and it was agreed that this debt would be removed from our report, it has not been nor does it reflect as paid, I have disputed this with documentation and contacted the creditor. Creditor claims it is Experian who will not update

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 2019-08-07 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: UT

Complaint narrative:
Attempt to dispute an invalid Hard Inquiry on my Experian Credit Report. Called 8 different phone numbers before finally talking to a person. On their website unable to dispute hard inquiries said to call but calling provided no solution. Representative would not put the dispute in the system and told me I had to call the Bank who made the hard inquiry but i had already done that and they said they had no record of the inquiry. Experian would not provide more information about the Hard Inquiry and provided no recourse for me to file a dispute in violation of the Fair Credit Reporting Act. 
This is the copy from the Hard inquiry : " XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online ''

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 2019-08-07 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: SC

Complaint narrative:
I've been communication with all 3 bureaus via USPS and occasionally over the phone when I could get ahold of a dept that wasn't outsourced in a foreign country. I was instructed by a helpful rep over the phone at XXXX, she informed the methods necessary to have fraudulent accounts properly disputed and removed. I send a series of letters to all three credit reporting agencies and only XXXX has complied. I would like for a representative in the fraud department to take a look at my information and properly process my identity theft dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
There were 2 occurrences I was already a member of fifth third bank for a while having a checking/savings account so I got a credit card with them XXXX of XXXX. In XX/XX/XXXX I accidentally missed a payment it was reported late on my credit. Meanwhile for no apparent reason I was kicked out of the bank they closed my checking/savings account but allowed me to keep my credit card. I went to XXXX and opened 1. In feburary XXXX I called to make a payment to fifth third for the credit card I still had with them with my checking account that I had opened with XXXX but gave them my saving accont number by mistake the payment was returned but I was never contacted by 5th third alerting me about the situation. I only used my card for emergencies anyway. 1 day I went to use it and it didnt work I contacted 5th third they informed me that my credit card account had been closed due to non payment for 30 days I still payed it off but they said they can't reopen my account or remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Do not understand what I owe {$60.00} to this company in XXXX Michigan ARBR Pro Sol report XX/XX/2016. This amount is not owe by XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT -  Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX XXXX - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted XXXX   XXXX XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
OnXX/XX/2019 we found out by talking to the bank ( Renasant Bank ) that they are closing our account. We had just opened the account on XX/XX/2019 and made small deposits to the account while we worked on transferring our bigger amounts. 

We had never gotten a debit card or had any adverse interactions with any of the banking staff. We haven't gotten a reason why this is happening or what to do.

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 2019-08-07 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC 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 2019-08-07 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT ARE LISTED ON MY FTC REPORT.

Company response to consumer: Closed with explanation