vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: FL

Complaint narrative:
I am having an ongoing issue with a collection agency which is reporting information in a fraudulent manner to the three credit bureaus and which I have tried on multiple occasions to dispute, asking for validation, verification and original source information. 
The collection agency rubber stamps the dispute as meeting the criteria of the FCRA and ignores the request. This has happened numerous times over the last 4 months. 
Every time I ask for enough data to verify how the company could buy a debt which is illegal, automatically the company reports that it is correct with no proof. It has provided nothing more than a headache at best and a complete lack of transparency with the Fair Credit Reporting Act at worst. 

The collection agency is Knight Adjustment Bureau operating out of Utah. What review I could find on the company read truly horrific and do not surprise me whatsoever. I am asking for this agency to mediate this investigation to make sure that Knight Adjustment Bureau complies with my request as I have grown tired of their illegal methods to hold a consumers credit file hostage with no proof whatsoever that a debt even exists as the company that is reporting it lists a different amount from bureau to bureau and when I tried to call the company the call rang on and on with no answer or message. 

Assistance is sorely needed and will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
I filed a dispute on my credit report for 2 inaccurate statements with my mortgage company saying payment was late on XXXX and XX/XX/XXXX. The dispute came back saying the mortgage loan was discharged through bankruptcy chapter XXXX. My ex-wife filed for bankruptcy after we were divorced and this loan was not included in her bankruptcy and I have never filed bankruptcy. This is inaccurate and needs to be removed my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a loan with CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one this has happened before capital one is rebilling me for items i did not receive. i told them this when i disputed it and they act as if the receipt from marshalls resolves this. I am filing a XXXX  against XXXX too. i received no items that i am being charged for and XXXX know this .so does the bank. i wont pay the XXXX and i will not use any of my cards until this is researched PEOPLE steal during pandemic maybe items show delivered i did not get and wont pay for them. Cap one does not listen when i dispute as this is what i said. so sendinga receipt does not resolve this. reverse XXXX i am not using any card now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have a loan with SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had a credit card with XXXX XXXX XXXX. There was only a {$300.00} limit on the card but I still managed to rack up a {$610.00} balance due to interest and late fees. I had a past due balance ( Covid contributed to my inability to pay ), and was unable to make payments. On XX/XX/XXXX, I was able to call credit one and negotiate a settlement. I paid them XXXX that day and they agreed to waive the remaining balance which consisted of interest and late fees. It didnt reflect on my credit score so I called them and they told me first it would show my payment and then after that next cycle, it would show it is paid in full. I just received investigation results from a TransUnion dispute that states all info is accurate and there is a {$610.00} balance on my account. This is inaccurate and needs to be changed. Im working very hard to pay off my debts and improve my credit so I can buy a house for my kids and this is not helping. 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 explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
On XXXX XX/XX/2020 I sent my mortgage payment for XXXX. The first week in XXXX I received a check for {$680.00}. The letter attached said " Escrow Over Payment. '' I detached the check and still have it. I called Loandepot after a few days. They said I was late on my XXXX payment. I wasn't they sent the payment back to me. I told the representative that it was not my fault. They should have transfered the money to the new loan which is an " XXXX ''. I never would have been late if it weren't for their mistake. Now on Monday I submitted a payment to them. Over {$1100.00} to catch up for XXXX and now XXXX. They failed to take the money and have no record. I resubmitted the payment after looking at my bank account and noticed they didn't take the first payment. That was Wednesday. I asked the rep if this was going against my credit? She said they submitted a m, thirty day late letter to the credit company. Why? I told the lady you gad the money and failed to apply it to the new loan, sent me the money back late and this forced me to be late. There are two account numbers associated with this account. Now I don't know if they ever tried to call me about this mix up. However I get scam calls all the time and if they didn't use a proper loandepot number I was unable to answer the phone call. I need my credit restored and want a written apology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I have attempted to pay my new ( " transferred '' ) loan depot mortgage online several times. By the way, I have not received any statements since the initial statement in XXXX ( loan transferred since then. ) I was told you do not receive a statement, until the payment is made. That's also wrong : you should receive a statement consistently each month in order to pay in a timely manner. But this is the real problem : their website keeps sending me back and forth between the same screens. I've called several times and no one has been able to get me through to the correct place to set up my online payment : most recently, this past Monday. I spoke to XXXX ( wrote this one down ) who assured me my old loan info. would be removed ; and I'd be able to access the transferred loan. My previous transferred loan was # XXXX ; I am trying to set up online payments for the new Loan Depot refinance mortgage ( # XXXX. ) I gave the website plenty of time to ( " may take up to 48 hours : '' ridiculous ) and this morning, still could not access my account! When I did finally get through, it stated it would be another 48 hours before I could access, and pay, my loan. They will be conveniently servicing the website Sunday, XX/XX/XXXX setting up customers to be late on their payments. 

XXXX XXXX XXXX created their payment website in XXXX. It is truly the worst. Please help. I shouldn't have to keep calling in and paying by phone ( more fees. ) I have a credit score of XXXX and have always automatically paid my mortgages on the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: OH

Complaint narrative:
The following inquiries on my credit report were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: OH

Complaint narrative:
While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/XXXX & XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America recently " updated '' their system " to better serve their customers. '' Part of this update, though, was not done to serve their customers, it was done to reduce customers ' savings on interest after making additional payments towards their principal. Prior to this update, when additional principal payment was made with a regular payment, the " principal curtailment '' was applied PRIOR to the regular monthly payment. This reduced the interest and increased the principal payment proportional to the additional principal payment for that month 's payment. Now, the principal curtailment is applied AFTER the monthly payment which makes the interest savings from the additional payment not apply until the next month 's payment. This is nothing short of a sneaky way for Bank of America to increase their bottom line. Just for my account that takes about {$7.00} out of my savings each month. Spread this across the millions of accounts Bank of America has and they are likely taking millions of dollars from their customers.

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 2020-08-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020

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 2020-08-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a fraudulent charge on my credit card on XX/XX/XXXX in the amount of {$440.00}. 
I reported it and cancelled the credit card and received a new card. I received a letter in the mail confirming the fraud investigation and stating that I was eligible for a credit. I called in the beginning of XXXX as I never received the credit and they stated that the fraudulent charges had been removed from my account. The fraudulent charge still shows up on my account. I have paid the bill for this amount and am expecting a credit in the amount above. I called them again today XX/XX/XXXX and they don't seem to have any record of any call in XXXX. They are doing nothing to reimburse me the amount of the fraudelent charge. I have to wait on hold 30 to 45 minutes each time I call.

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 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the 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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
This company continues to report a debt on my credit report in violation of the FDCPA despite payment having been made in full. Attached is a picture of cleared payment.

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 2020-08-14 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I reviewed my credit report and noticed a fraudulent account that I did not authorize on my credit report and its preventing me from receiving credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several addresses on my credit report that I have never lived at. I need to make sure no one is applying for anything in my name at these incorrect addresses : Please REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, 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 2020-08-14 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: CA

Complaint narrative:
XX/XX/2018 XXXX XXXX Did not show me proof

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 2020-08-14 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:
The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report

Company response to consumer: Closed with explanation