vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

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 2021-09-24 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: Phoenix Financial Services LLC
State: PA

Complaint narrative:
I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however Phoenix Financial Services has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( nca ). The repeated collection charge off is for XXXX ( XXXX  ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a complaint about XXXX due to incorrect information about a previously settled loan causing my credit score to drop. I was issued a settlement letter and the item was removed from my credt. As of XX/XX/XXXX my experian score dropped 28 pts and XXXX/XXXX reported the loan with XXXX $ balance as 30/60days delinquent.

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 2021-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with TransUnion, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

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 2021-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, Equifax and XXXX. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: FL

Complaint narrative:
I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to XXXX XXXX  but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and Experian. I have submitted a dispute with my bank whom processes payments to XXXX XXXX  to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have placed a complaint once before with no resolution. XXXX is reporting inaccurate information about me on their consumer reports. These inaccuracies are being used to generate the digital security questions that are used to identify a person when applying for federal/state benefits, replace a State ID, any banking done online, or anything that requires passing security questions online or by phone. I have contacted XXXX XXXX about this and they took my disputed items off of their report but never reset the digital security questions to reflect that. Also, the information is back on the report as of XXXX. Again, it is making it difficult to do anything online or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$670.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended a private vocational school called XXXX College in XXXX and XXXX and was encouraged to have my parents cosign on private loans to pay for living expenses. I was never told that if something happened and I had to drop out of school, I would have no recourse for discharging the loans. In XXXX I had a XXXX XXXX XXXX crisis and had to leave XXXX College. Ever since, they have still held myself and my parents responsible for loans on a program that I was never able to complete due to XXXX. My parents have been paying the loan ever since as I was unable to pay myself and they did not want their credit affected negatively by the loan. I recently called Navient to try and work out a lower payment so I could take this on myself or remove my parents as cosigners and was told that I had no options. I am actually a Public Servant now and Navient told me I could not use the Public Service Loan Forgiveness program for these loans either. To date, they have offered me no flexibility in repaying the loans for a program that I was not able to complete. Please respond and let me know if there are any options I can pursue. I am considering bankruptcy and since I do not want my bankruptcy to affect my parents, I can not include these loans in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
O n XX/XX/21 I signed up for a cruise on XXXX and if I wanted to reserve my reservation I had to give a deposit by XX/XX/21. Barclays was offering a deal that if you open a credit card with them and use their card they would credit me back XXXX dollars towards the cruise I signed up and got a reply back stating it would take time for them to decide if I was credit worthy. I then gave XXXX the required deposit from my checking account. A week later Barclays sent me a credit card. Because they did not give my the credit on XX/XX/21 I am out of luck on the discount. ON XX/XX/21 I tried to activate the card but Was told a specialist would activate the card. I WAS PUT ON HOLD FOR 2 HOURS NO ONE ANSWERED THE PHONE AND I GAVE UP. credit card XXXX mastercard

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
I needed to withdrawal cash from my checking account on Tuesday, XX/XX/XXXX, around XXXX XXXX  PST. I went to two separate US Bank locations in XXXX, and both ATMs were down. The withdrawal was needed to handle a personal family emergency with a compact timeframe. Instead I went to a nearby casino/resort. XXXX XXXX. They were great by the way. I was able to withdrawal the funds I needed ( {$3000.00} ) + {$92.00} in fees. In a matter of seconds with no hassles. I called US Bank ( XXXX Branch ) on Thursday, XX/XX/XXXX around XXXX XXXX  PST. To request for the fees to be refunded. I was told there is nothing that could be done. I was told I should have tried 12 other US Bank locations in XXXX first ( I had already tried two ). Or told I could have visited a branch today ( Friday, XX/XX/XXXX ) to withdrawal the funds?!?!. When I pushed back I was told to contact the originating US Bank in XXXX XXXX XXXX, CA ( for my accounts opened in approx. XXXX ). To request a refund of the fees. But I was also basically told it wouldn't matter. I was told they would call the Branch Manager in XXXX XXXX XXXX. I called the US Bank in XXXX XXXX XXXX around XXXX XXXX  PST ( the same day ). They said they never received a call from the XXXX Branch. I was told by both branches that a " manager '' would call me. This never happened. US Bank has continued to give me the " run-around '' and has offered no resolution. They have both told me to dispute the fees with XXXX XXXX. Why? It wasn't XXXX XXXX 's fault. They allowed me to withdrawal my funds. US Bank didn't. Their ATMs were down. I have multiple accounts with US Bank, an auto loan, and a revolving line of credit. A credit card with a XXXX balance. An exceptional credit rating. I wasn't asking for any dollar amount of my funds that I didn't have. Not even close. I have both funds and available credit in way excess ... Once again US Bank 's ATMs were not working. 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 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
This reporting is against Capital One for unfair and discriminatory treatment. The dispute I am filing against Capital One arises out of a late payment remark that was reported in XX/XX/XXXX. Subsequently this negative remark made its way down to the credit reporting agencies however I would like to emphasize, this event would not have occurred if Capital One didnt blatantly violate my rights. Therefore my complaint is against Capital One alone. 
In XX/XX/XXXX- XX/XX/XXXX, the United States government went into a federal shutdown, resulting in thousands of federal employees not receiving their salaries. I was at the time ( and presently ) employed by a federal agency. This event was deemed a declared disaster by President Trump ( much like events surrounding natural disasters ). Capital One publicly went on record, promising relief to those affected by the government shutdown. These statement made by Capital Ones spokesperson was selectively implemented and only provided to a certain class of people facing the identical hardship. Based on prior and current practices, Capital One has offered several programs such as forbearance & payment deferrals to those affected by uncontrollable circumstances. In this instance, Ive been made aware that Capital One offered relief for some and denied relief to others. I believe this is a result of XXXX discrimination and bias practices. Capital One is fully aware of my race and ethnicity which was reported at the beginning of my contract. I would also like to point out that Capital One has been accused of promoting these XXXX practices before and consumers have been successful in their lawsuits against Capital One. 
Due to the above-mentioned circumstances, I filed a request for investigation ( XX/XX/XXXX ) and a request for reinvestigation ( XX/XX/XXXX ) only to have generic letters issued denying any relief or proof that an investigation took place. Both denial letters were issued in a matter of days. 
Attached to this complaint, Ive included my full correspondence with Capital One ( including verified copies provided by them ) and the latest denial letter received from Capital One. For a more detailed account, I urge you to please refer to page 2 of the redacted correspondence packet. This was my latest dispute letter which specifically outlines the extent of my dispute and proof that Capital One violated several consumer agency laws and used discriminatory methods to deprive me of my rights. An unredacted copy can be provided upon request. 
Again, I would like to emphasize this complaint is NOT against the credit reporting agencies and should not be treated as such. This complaint solely surrounds Capital Ones refusal to adhere to their responsibilities as a lender thus creating a domino effect because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
XXXX XXXX XXXX sent supposed bill to ERC Collections. I supposedly owe XXXX XXXX XXXX {$510.00}. Although I do have a phone, I am on a Family Plan and not the person of paying the bill. I do not have thi8s account and want this false charge removed from my credit score, and for them to stop charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: KS

Complaint narrative:
My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is a fairly new refinance loan. ( approximately 3 months ). The first payment we made to our previous mortgage company, XXXX XXXX, which they forwarded and that payment was made. Second payment, we wrote check for {$1500.00} and the new mortgage company, PHH Mortgage, processed it for {$1500.00}. We checked with our bank and they have received the {$1500.00} and we have tried to get the {$80.00} ( {$79.00} ) we rounded it to {$80.00}. They are making it difficult to pay these monies, and are now saying we are behind the one entire payment. Our bank has also disputed this with them because they have indeed been paid {$1500.00}. Therefore, we will be sending the {$79.00} in a check because they won't allow us to pay online! We just want our payments processed correctly, on time, and not to penalize us with late fees or poor credit, because of their errors! Please help us with this unfortunate problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: NV

Complaint narrative:
The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( XXXX  ). The repeated collection charge off is for XXXX ( waypoint ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation