vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For bankruptcy public records collected through XX/XX/XXXX, Experian obtained information about bankruptcies from a third-party vendor, XXXX. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my XXXX XXXX Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). 

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my XXXX XXXX Consumer report on XX/XX/XXXX through USPS tracking number XXXX, Experian verified the Bankruptcy as Verified XX/XX/XXXX despite no Bankruptcy ever being on my XXXX XXXX Consumer Report & not properly citing who is the furnisher of that information. This is report number XXXX and 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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I had a XXXX XXXX credit card XXXX account that was charged off. I settled this account out directly with XXXX XXXX  for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called MRS BPO trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Reporting medical info from a company called XXXX. Violation of HIPPA

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a bill from my Capital One credit card for {$95.00} annual fee and called on XX/XX/XXXX asking for the annual membership fees to be waived, but my request was denied. I requested to cancel my credit card and representative informed me that I had XXXX rewards points and he could send me a check for {$11.00} which was half of my points worth. He stated that in order to receive the whole amount of {$22.00}, I could to make a restaurant purchase and apply the whole amount. He informed me that I had 45 days until XX/XX/XXXX to make a payment for membership. 
When I made a restaurant purchase on XXXX, my credit card was declined. When I called customer service and spoke to manager XXXX, I was told that my card was past due and on hold due to my membership fee not paid on XXXX and I can not redeem ANY of my points until I make the payment. I reiterated to her that I was informed differently by the previous agent, and she said this was not correct and she would obtain a conversation recording for XXXX. 
On XXXX I received a call from another manager XXXX who stated that they completed the investigation and found no wrongdoing on representatives site and that I had to pay my membership fee to bring account back to active. It was very frustrating to hear that after I was misinformed by the representative on XXXX, no action was taken and I had to suffer the consequences and was forced to forfeit my rewards points earned. She once again declined my request to waive membership fee to bring account back to active and for me not to lose my points. 
It was very upsetting that management did not admit any wrongdoing and was not able to find ANY solution to solve this issue. 
I cancelled the card to avoid any late fees and requested for a check to be mailed with my points earned but was denied. 

I filed a grievance with the credit card and received a denial again. 
CASE # : XXXX Account ending in ... XXXX Capital One practices deceptive practices and conducts unclear disclosure of information to their customers. 

I am a XXXX XXXX and feel very disappointed that customers could be so mistreated by credit card company. 

I ask for your assistance in this matter. 

If you have any questions, dont hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC
State: IN

Complaint narrative:
I keep getting calls from ADVANCE CAPITAL SOLUTIONS regarding a debt NOT IN MY NAME. They keep mentioning in voicemail the message is for XXXX. I dont know anyone by that name! They have been calling me for months now. Dozens of times per day. I have spoken with someone there numerous times and told them they have the wrong number. Stop calling. I have since had to pay for a call blocking service on my phone. Now they are getting around that! Today alone, Ive received 26 calls between a 6-hour timespan, sometimes 2 or 3 within a minute or less. They are spoofing other peoples phone numbers, because Ive called a few back which appeared to be local, and they were elderly people I didnt know, who hadnt been on the phone. The calls appear to come from a different number, and when they leave a voicemail, its instead XXXX, extension XXXX. Please issue a CEASE AND DESIST to them IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX Associated Access Checking with Associated Bank. I Direct Deposited more than {$500.00} within 90 days of account opening and have held more than {$10000.00} for XXXX days after account opening. Having met those requirements, I expected a {$500.00} bonus by the end of XX/XX/XXXX. 

I had messaged the bank through their internal customer message system and was notified that I had previously been a customer with their bank. While this was true, nothing in the signup language indicates that the promotion was closed to former account holders. The only language on the signup page was : " Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. '' My previously held account was closed XX/XX/XXXX ; more than 6 months before opening a new account. 

Given that terms were met on my end, but not on the bank 's end ; I am requesting {$500.00} immediately per the language in the terms when I signed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that XXXX XXXX had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that XXXX  was at fault for placing a wrong last name on my account. XXXX  had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract. 

I called into all my financial institutions to notify them on the XXXX of XXXX. XXXX  has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation. 

In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. XXXX  placing an incorrect name on my contract ( please see attached statement with incorrect Name )

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting to XXXX and XXXX and XXXX that the balance on the debt is {$570.00}, The original balance was {$570.00} I paid {$70.00}. I am attaching the last notification I received from them verifying that the remainder on the debt is {$500.00}. I either want my {$70.00} refunded or my XXXX and XXXX and XXXX account corrected to reflect the appropriate amount, I have called them 3 times and sent them 5 e-mail inquiring about this and they keep telling me they have no record of me making any payments. I am attaching a record from their company that shows the balance is only {$500.00}. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX Bank XXXX XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.

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

Complaint narrative:
XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX  {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX , XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.

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 2021-09-09 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: NJ

Complaint narrative:
I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize

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 2021-09-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XXXX, XXXX 2021 I have send the payment through the XXXX  for XXXX  XXXX XXXX Mobile app. This was the rent payment I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX. I filled the dispute to XXXX  XXXX XXXX and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it.

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

Complaint narrative:
I am not a credit repair agency. I notified this company about an investigation on items that was previously disputed on my account and I haven't received any results back in mail. I have been trying to get these fraudulent items removed. Can you please help me dispute and remove incorrect addresses, inquires, collections, derogatory remarks and any other fraudulent information reported.

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 2021-09-09 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:
Someone applied for credit cards on my behalf, leaving hard inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I submitted a dispute in the amount of {$780.00} because I purchased an item & havent received it. My bank is refusing to dispute the transaction saying its past 120 days in which the reason I notified them immediately once the merchandise had not been received, nor have I had any further communication with the merchant. They allowed my account to be debited. At this point its theft & and theyre making me liable & refusing to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On or about XX/XX/2021, I applied for mortgage payment assistance via a third party government service, upon approval, the agency " XXXX  A XXXX XXXX '' forwarded a check in the amount of {$10000.00} check # is XXXX to MR Cooper.XXXX Since then I received a letter from Mr. Cooper dated XX/XX/2021, advising the check was declined and the funds not applied to the account due to being non certified. The third party agency owner called Mr. Cooper as well and was told to allow 3 days to answer why the funds were not applied or placed in suspense, as the agency owner attempted to clarify as a non profit agency, the checks are sent directly to the lenders per the programs guidelines as outlined by the Federal government. 

Please reach out to me to assist with this matter, since the agency will not provide the funds in the form of a certified check and MR. Cooper staff member states they will not be applied regardless. 

Kind Regards, XXXX XXXX Mortgage account # XXXX

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

Complaint narrative:
Someone applied for credit cards on my behalf, leaving hard inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: OH

Complaint narrative:
I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
Transunion is showing incorrect information on my credit report. I tried to dispute it through their website and it wont let me login. I can log into my online account but every time I go to the dispute center it tells me to login when I log in it says incorrect login in information. Its the same information I used to log into my account. XXXX XXXX XXXX XXXX is reporting my account with them with a balance of {$570.00}. This is inaccurate, I am enclosing documents from XXXX XXXX XXXX XXXX that proves the balance is only {$500.00}

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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Currently I am paying on a Barclaycard Mastercard that was closed by Barclaycard even though I made my monthly payments. I called and told Barclaycard that I would be late on monthly payments because COVID 19 cut my work hours. I still made the miminum payments they were just a day late I believe in XXXX and XXXX. I told Barclaycard over the phone my payments would be late and since I made my payments every month could the late fees be exused because I paid my monthly minimum payments on time as always. However Barclaycard raised my minimum payments and is reporting my account delinquent to three credit reporting agencies XXXX, XXXX, and XXXX. I want Barclaycard to stop reporting this closed account as delinquent to the three major credit reporting agencies. I have a stellar credit reporting history this delinquent account will tarnish my credit reports and payment credit history. I will still pay the minimum monthly payments that I was paying before Barclaycard recklessly raised the minimum payments starting in 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