vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 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:
During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau XXXX and Experian on XX/XX/19. I received confirmation for XXXX with the tracking number XXXX and for the letter with Experian XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with XXXX and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  XXXX and Experian has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.

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 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I filed a complaint about Chase Bank, within an hour of notifying Chase bank I filed the complaint Chase blocked all my other accounts. This is a obvious act of retaliated by locking me out of all accounts and all information concerning the accounts. Chase bank gives the following reason " WE LOCKED THE ACCOUNT TO PROTECT IT FROM SUSPICIOUS ACTIVITY '' IF this is true I must know what the suspicious activity is so that I can protect myself and other accounts. I am demanding Chase bank to forward to me by USPS or email, what is the specific activity that caused them to locked me out from viewing the account information.

1,. I am specifically asking for the dates of the " suspicious '' activity 2. The type of activity 3. The IP address or location of the activity and how that differs from previous activity, If Chase refuses to forward this information then it further confirms Chase is either lying or they really do NOT care about protecting me and others from this suspicious activity, Chase is implying the only way they will discuss anything is if I call them. They do this so Chase will be the only ones controlling the evidence. They will not put anything in writing. Ask yourself this, When another entity or person refuses to put information in writing or to be transparent with information, what does that tell you? 
It is a result of the policies of Chase Bank an others that XXXX XXXX is becoming the leading candidate. People are sick of the lies, the fraud, the all around behavior of Banks like Chase, My lawyer told me to simply allow Chase Bank to continue to dig their grave, sounds lie a plan to me. It is my responsibility to share each act of retaliation or bad behavior with the public and that is what I fully intend to do. 
Thank you Chase for helping build my case, can not wait for the next round of bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It keeps asking about credits and loans that I have never request.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I made a payment to XXXX XXXX XXXX XXXX on XXXX XX/XX/2019. The balance at the time was {$1800.00}. I paid {$1200.00} to bring my balance down below good credit reporting thresholds. I do this every month. The person or clerk that took the payment did not apply the funds to the account, or XXXX XXXX XXXX XXXX by force reported the prior balance to the credit bureau. This caused my credit score to reduce by 20 points and put me in dispute over the problem. I was forced into a conversation with the credit union over what has happened in previous months. The monotone that I get is very sarcastic and intentional. I also, asked about the payoff of another account that I hold with XXXX XXXX XXXX XXXX, and effects on credit. Both the credit card payment would have reflected good upon me, and the payoff arrangements for my other account. I am now forced to dispute this issue, and deal with troublesome attitudes from the institution.

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 2019-10-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2018, my authorized user purchased a visa application in the amount of {$120.00}. This was able to be cancelled and refunded since he never went through the biometric processing. I was told this would be refunded within 12 weeks ( after Wells Fargo allows disputes ). When I contacted Wells Fargo about this, they told me I was unable to dispute the purchase since it is after their internal deadline of 90 days to begin a 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 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I had a mortgage with Ditech Holdings. They apparently went bankrupt in XXXX of 2019 and my mortgage was sold to another lender. I sent my XXXX payment to the new lender and it was returned. This cause my Ditech account to move to 30-59 days  past due. I called and figured out that I needed to send my XXXX payment to Ditech and did so. I was informed that since Ditech went bankrupt and the loan was sold, it was illegal for them to report to the credit bureaus unless the account was more than 90 days past due. I got everything squared away and have been paying the new lender. I then noticed that Ditech REPORTED to  the credit bureaus and my score dropped by 50 points. I immediately contacted them and demanded they remove the report. They added a " Remark '' but didn't remove the initial report to my credit. I've disputed with the credit bureaus, but they state Ditech will have to agree to remove the original report. I have called and emailed and they simply have not done it. I checked and it was ILLEGAL for them to have reported due to the fact that the loan was sold due to their bankruptcy. I have NEVER missed a payment for anything and am enraged by this illegal action that has negatively impacted my credit score/reports and my ability to obtain future credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2019 I requested validation of this alleged debt of {$750.00} of which I was not provided proper validation of. XX/XX/2019, I received the attached notice from Resurgent Capital Service ( LVNV Funding ) stating that this account would not report to any of the national credit agencies. On XX/XX/2019, I have received notification from the credit bureaus that this account was now reporting on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I checked my balance on the Cash App and it was around {$3700.00}. On XX/XX/XXXX, I tried to send money to someone and the app showed {$0.00} balance and I couldnt send money. There was no debit card or bank account attached to my cashtag $ XXXX. I tried to retrieve my account and it was unavailable. I opened a new one named $ XXXX thinking I could merge them. I couldnt. I contacted Cash App Customer Service on XXXX and XXXX messenger and email. They said they would get back to me today. Its been 24 hours and I dont have my money and they have said that they are not going to engage anymore. My money is gone and my rent is due and they dont have a phone number or any way to explain what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: ERC
State: CA

Complaint narrative:
I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for  each FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is in regard to a rollover request I initiated with TIAA Cref to my XXXX XXXX retirement account. I hold a total of four accounts with my former employer ( XXXX XXXX XXXX XXXX ) that is administered with TIAA. I initiated a rollover online with TIAA back in early XXXX. After waiting two weeks with no signs of account transfer or notification from the TIAA, I called and was informed that XXXX requires additional forms that needed to filled out, notarized by my spouse and sent to them. This was the first time of their lapse in communication. After having my husband notarize the apprpriate forms, I scanned and uploaded the documents to their online portal. The forms were exceedingly redundant and basically the same information filled out four times in total. To my disbelief and annoyance, only two of my accounts were transferred in early XXXX. Again no TIAA represntative reached out to me and I was only made aware when I called again that one checkbox on one of the duplicate forms was not filled out causing two of my accounts to not been rolled over. I again scanned the appropriate forms and uploaded them to their portal but again only 1 out of the 2 accounts still has been transferred as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: AL

Complaint narrative:
Fox Collection Center is attempting to collect a debt in the amount of {$110.00} from me for a radiologic ( medical ) service I did not receive in 2015. I have disputed this collection with all 3 credit bureaus resulting in both XXXX and XXXX deleting the collection. XXXX refuses to delete or help me in validating this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX My name is XXXX XXXX XXXX I need my security freeze/Block removed from my credit report ASAP!

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 2019-10-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My social security card was stolen along with other items and was use to try to get a XXXX XXXX credit card, XXXX XXXX credit card, & XXXX XXXX   credit card. I called numerous to resolve the issue with Comenity Bank but no resolution. I also called the credit bureaus. The inquiry remark from XX/XX/XXXX & XXXX is damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 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: CA

Complaint narrative:
I submitted a dispute for an account listed on my credit that is being reported inaccurately. XXXX came back reporting that the dispute was closed and the account verified. XXXX is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as XXXX is a debt collector. I dispute the date the account was sold to XXXX. I am requesting proof that XXXX purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with XXXX. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that XXXX is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.

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 2019-10-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a victim of Identity theft notice my social security number was use to obtain a credit card from old navy on XX/XX/2019. I am in contact with all 3 credit bureaus to try to remove the inquiry and I have also tried to resolve with Synchronizy Bank.

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 2019-10-05 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: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2019 I received an alert on my credit report at work that there was a hard pull done on my credit report. When I left work I investigated immediately found the credit agency that did it called them got the actual company that requested the credit report contacted them. They and for me that my husband was looking to finance a dump truck through them for his business and since I wasn't owner on the business that they had to pull my credit as well. I never spoke to these people gave anyone permission to pull credit nor do I have any interest and financing any dump truck. When I ask them for assistance with having the inquiry deleted from my credit report they told me it is impossible. I contacted the credit agency they said that it can be deleted through an investigation but in order to start the investigation I need a letter from the company eat that requested my credit report stating that it was never authorized by me to have them pull my credit. They refuse to help me in any way and their suggestion is that quote I have a word with my husband. I will be forwarding their emails in response to my concerns.

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 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Through a credit monitoring service I learned that a " collection activity '' was entered into my credit bureau file by Credit Collection Service.  The collection agency alleged that I owed {$62.00} in XX/XX/XXXX to XXXX. However, according to my bank bill pay records ( please see attached XXXX, XXXX received payment in the amount of {$62.00} on or about XX/XX/XXXX. I have written a USPS certified mail with return receipt to Credit Collection Service to verify their records and remove the erroneous entry but to no avail. According credit bureau data, the  erroneous entry was entered into my credit bureau data on XX/XX/XXXX even though I paid as agreed in the months of XXXX and XXXX of XXXX. Please see attached letter to Credit Collection Service. 
Further, I reached out to XXXX 's executive service relations Mr. XXXX XXXX ( would not reveal his full name per company policy ), he stated that XXXX did not refer my account to collection. Please see letter containing his statement attached. 
The fact is I do not owe XXXX for the month alleged. I have never been late on this account since inception back in XX/XX/XXXX. But the problem is, on XX/XX/XXXX. I canceled XXXX 's service and the company refused to cancel the service. After speaking with 3 representatives on the phone and 2 others via chat without achieving account cancellation, I went into XXXX 's local store and canceled through store manager Mr. XXXX. However he could not provide proof of cancellation citing company policy.Till date I still have not received final billing statement from XXXX and have no proof that account was terminated by consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery has been contacting my job and family regarding this bill. The bill was from 2015 and then sold to portfolio recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has illegal, in effect seized my assets ( over XXXX worth ) and barred me from accessing my money in three different accounts ; primary 360 checking, ( {$1000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : Primary 360 Money Market ( {$40000.00} as of XX/XX/2019, under account Number XXXX ) Barred me from accessing my money : 1 Year CD ( {$10000.00} as of XX/XX/2019, under account Number XXXX ) I have hired an attorney to sue this entity for fraud, illegal seizure of assets, and contacted the FDIC to file a complaint for the same as above.

Company response to consumer: Closed with explanation