vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
XXXX XXXX XXXX should not be reporting to Experian and XXXX a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.

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 2021-01-26 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: UT

Complaint narrative:
On or about XX/XX/2021 I submitted a complaint to cfpb about my Capital One credit card charge. Complaint No. XXXX. After this complaint was submitted to Cap One they responded stating that they investigated the claim and that I benefited from this fraudulent purchase. 
The problem here is that the credit card company has provided NO EVIDENCE that I purchased these services. No signature, no copy of the charge slip, no surveillance that I was even in XXXX, XXXX the day the purchase was made. 
If Capital One offers fraud protection like they claim in their advertisements, why are they blowing off my complaint? It appears that they are lying about providing fraud protection since they have failed to fully investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National Credit System Account number XXXX Is reporting inaccurate accounts to XXXX and XXXX credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: GA

Complaint narrative:
Company is in violation of multiple offenses under the Fair Debt Collection Practices Act. 
Company violated my consumer rights by exposing medical information. 
Company has committed identity theft by purchasing my information without my consent. 
Company is in violation of assigning an attorney to collect a debt from me XX/XX/2021 {$1100.00} XX/XX/2021 {$58.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/2020 my bill did not go through AMERICAN CREDIT ACCEPTANCE - account with 1 missed payment. I am kindly requesting AMERICAN CREDIT ACCEPTANCE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased appliances from Lowes.com on XX/XX/20. Invoice # XXXX. The total amount purchased for all appliances was for {$3300.00}. I made a partial payment with a {$50.00} gift card, leaving a balance to be paid of {$3200.00}. The appliances were delivered and charged to my credit card on 2 different dates. The charges did not appear on my credit card until the appliances were delivered. The first charge was for the stove and refrigerator totaling {$3100.00}. The second charge came when the dishwasher was delivered for an additional {$610.00}. Now, I am being charged a total of {$3700.00} ( less my {$50.00} gift card ) on my Lowes Consumer Credit Card which is incorrect and does not reflect their sale price on my invoice. I have been trying to resolve this over many phone calls between the Lowes credit card company and Lowes with no success. I spoke with someone who said they would resolve it but it never was. Lowes has no record of the person I spoke with and I am still being charged the erroneous amount. Nobody will help me. In fact, they emailed a fictitious invoice that dont reflect the sale discount and that I never even saw before. I have pictures of the sale they were running at the time of my purchase that proves I should receive the correct price. I believe they are trying to not give me the sale price. But the amount theyre charging me doesnt even reflect that so I have no idea where they are getting these charges from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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.
State: TX

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX and Transunion a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.

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 2021-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Link Management, LLC
State: KS

Complaint narrative:
I was contacted by XXXX XXXX from XXXX XXXX XXXX on XX/XX/2020 in an attempt to settle debt from XXXX for the total amount of {$870.00}. I agreed to pay {$320.00} on XX/XX/2020 and then make payments of {$150.00} beginning on XX/XX/2020 until the debt was payed in full. 
They have now taken {$390.00} more than I agreed to pay for. The payments in my bank statements are under CAPITAL LINK MANAGE SIG RF # XXXX XXXX XXXX NY. 
Every time I try to contact them, I am told to leave a message but I am never contacted back. I know they are taking advantage of me but I dont know what to do anymore.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Premium Credit Bureau
State: GA

Complaint narrative:
XXXX XXXX is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2019 late payments where on my accounts. I called the companies and they said they said they will remove the late payment off my account. They have yet to been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Is reporting inaccurate accounts to Transunion and XXXX  credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!

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 2021-01-26 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: FL

Complaint narrative:
I'm Very Upset About this situation that I'm Dealing with Identity Theft someone is using my personal information without my consent

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 2021-01-26 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2021-01-26 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Direct Mortgage, Corp.
State: AZ

Complaint narrative:
I have a new conventional mortgage loan with Direct Mortgage Corp. I own several other properties, and I have been trying very hard to get a copy of my monthly statement from Direct Mortgage Corp, as I need a copy as an underwriting condition related to the refinance of another one of my properties. The online portal for Direct Mortgage Corp does not have a copy of my statement, when I go to my online documents, all they have is a copy of my annual tax statement, but no copy of my normal monthly statement. I have called them about 5 times. Every time I call, I have to wait on hold for about an hour, so it is extremely difficult to reach them. Every time I have reached them, they have told me they are not able to provide with my statement, but that they can mail it. It has now been 3 weeks since the first time that they said they would mail it, but I have not received it. On another occasion, they said it would be available in the online portal within 3 days, it has been two weeks since that time and it is still not available in the online portal. on another occasion, they said they would email it to me within 3 days, and it has been a week since that time. I still don't have the statement, so I feel I have no other option to get their attention other than to publish this complaint, they have been extremely difficult to deal with, and I just can't understand why it should be so hard to provide a statement. Every other bank I deal with has a copy of all my recent statements in the online portal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Westlake Services, LLC
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX, XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was going though a credit agency to fix my credit to obtain credit when I found out an item was on my report that was not mines. I was told to make a Police report and to dispute the item. I did. I recieved a letter saying that this was my account. I submitted to all 3 credit reporting agencies with the information they requested including the police report. 2 of the reporting agencies removed the item off my report. one agencies did not. I again filed another dispute as well as contacted the name of the agent on my letter and they said they will look into it but nothing has been done.

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 2021-01-26 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I opened an account with Santander Consumer back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. Santander keeps selling this closed account to other business and therefor still showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX  account number XXXX Is being reported on my XXXX  and Transunion credit report ; This account does not belong to me. I have made every attempt to notify the company and ask for its removal. The company has yet to do so. I need this account 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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I made my final monthly payment of {$1400.00} on XX/XX/2021, within the grace period of 15 days, according to the loan agreement. My loan servicer Caliber Home Loan is not closing out my loan, but billed me a late fee of {$74.00}, a loan release fee of {$180.00}, and some amount of interest. 

I asked them to remove the late fee of {$74.00}, and they refused. 
I asked them to break down the loan release fee, and they refused. 

I have made all of my monthly payments on time, and now, they just want to stick me with all these bogus charges. I contacted the representative with ID # XXXX, and asked for his manager, and no manager was available to talk to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26 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:
I opened an account with XXXX XXXX back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. XXXX keeps selling this closed account to other business and therefor still showing 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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello and good day! 

I deposited a check for {$1200.00} yesterday and the hold on it was supposed to be XXXX business days as per the receipt. Today, I checked my checking account ending in XXXX XXXX XXXX and the hold has been arbitrarily delayed until the XXXX. This is a recurring deposit from the same person and same bank, and amount, and no objective reason has been given to me for the delayed hold. Bank of America is not even releasing it partially. This makes it worse as I am suffering due to the consequences of COVID on my business, and I feel discriminated about and even after spending at least 1 hour with customer service, I am still not getting resolution. I also spoke to a Supervisor, XXXX who handed my call over to XXXX who had no explanation for doubling the hold time from the XXXX to the XXXX, and hid behind process. 

Please kindly investigate for discrimination and arbitrary, double-standard procedures. 

Many thanks and cheers! 

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