vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
CREDENCE RESOURCE has reported a fraudulent debt in my name to the credit bureaus. I never opened or authorized a XXXX account in my name. They need to remove the reporting immediately from all of the major credit bureaus promptly. 

My identity has been repeated been used. I filed a police a report due to finding my information being used. XXXX XXXX police department they can retrieve a copy of the police report directly. Report number is as follow, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-11 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:
The credit bureaus are reporting erroneous information on my credit file

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 2019-08-11 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: LA

Complaint narrative:
On XXXX and XXXX I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Equifax initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Equifax or deletion of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/XXXX I ordered an item from XXXX. I was charged {$140.00} on XX/XX/XXXX. The estimated shipping time would have the item arriving at my residence on XX/XX/XXXX. 

On XX/XX/XXXX I received an email notifying me my item had been delivered to my address. I checked the mailbox, there was no such item there. No package had been left on my front porch, nor was any package on the back porch, and the next door neighbors hadn't received anything in my name. 

I contacted XXXX to notify them of the missing package on XX/XX/XXXX. They told me they would investigate the issue to determine the package 's status. On XX/XX/XXXX, XXXX sent me an email which stated " the tracking number shows the item was delivered, this case is now closed ''. At that point I disputed the charge with Discover and provided the pertinent information to them. 

On XX/XX/10 I was notified by Discover that they had reversed the charge-back and sided with the merchant, and Discover requested I provide them with information supporting my claim. I called Discover on XX/XX/10 and asked them what information I could provide regarding an item that had never arrived at my residence. They were not able to give me an answer because there is no way someone can prove they didn't receive something. 

Subsequent phone calls to XXXX to try to get further help from them, the merchant, have gone nowhere, as XXXX has been unable to find my order information during follow up conversations. It's like XXXX lost all record of the transaction after I submitted the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Grandfather passed away in late XXXX, XXXX. His only credit card was one he got through XXXX, backed by Bank of America. 

On XX/XX/XXXX, I received a letter from BoA claiming {$540.00} was outstanding on his card and was owed to them. They filed a claim against my Grandfather 's estate for this money, and in their letter BoA stated I had the right to dispute the charges within 30 days of my receiving the letter, otherwise the claim would be considered valid by them. 

On XX/XX/XXXX, I mailed a letter back to BoA disputing the charges in their entirety. I did not hear anything back. 

On XX/XX/XXXX, I called BoA at the number they provided in their letter and spoke to a representative who promised to send the entire previous year 's worth of statements for my Grandfather 's card. They sent every statement except the statement from XX/XX/XXXX through XX/XX/XXXX, which was the statement in question. 

On XX/XX/XXXX, I called BoA again, was told the rep handling this issue was XXXX XXXX, and that the missing statement would be mailed immediately. The missing statement was received the following week, and none of the charges in question were valid as my Grandfather had been in the hospital with XXXX  XXXX XXXX XXXX during the time the charges were made on the card. 

On XX/XX/XXXX, I mailed BoA a letter and requested an update into their investigation of the disputed charges. I received no reply. 

On XX/XX/XXXX, I mailed BoA another letter again requesting an update on their investigation of the disputed charges. I asked them if they had even initiated any investigation into the charges. I received no reply. 

On XX/XX/XXXX, I mailed yet another letter to BoA, still requesting an update as to their investigation of the charges. BoA still has not responded in any capacity, nor have they withdrawn their claim against my Grandfather 's estate. 

I have recorded my phone calls with BoA phone support, and the phone reps confirm BoA received my dispute letter. 

If this claim is not withdrawn, per the probate court, my only recourse is to pursue legal action against BoA. This will be my final attempt at getting this matter resolved in a civil fashion, I have been more than patient throughout this process and have been repeatedly ignored.

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 2019-08-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I opened a credit card with USAA, as well as a checking account for me and my then-minor son. We used them responsibly. We never had an overdraft, never a late payment, never a NSF, never a issue of chargebacks, nor any other banking issue. We received letters in XXXX that USAA decided to close our accounts, and the decision was final as well as they would not ex-lain why this was happening. It was very inconvenient to have to quickly update auto-pays, move money, open new accounts. It was especially frustrating because we had no negative history with the company, since the relationship began 5 years ago. My credit score is XXXX, my sons is XXXX. I think it has to do with XXXX but I am unable to prove that since the company will not release any info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a sapphire credit card from chase bank that for no reason was blocked. I ordered a new one a week ago but never received it. I called them on multiple occasions but those who pick up calls maliciously refuse to send my new card and change intentionally my passcode. All calls are monitored and recorded, I want the Department of Justice and all federal agencies in charge of protecting financial consumers to take the matter in hands and give them maximum sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have repeatedly told the collections agency please do not call me at certain hours. I do not have any recollection of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: NE

Complaint narrative:
Card provider charged my account as " Dispute Credit Reversal '' in the amount of {$120.00} on XX/XX/2019 after giving provisional credit back for the same amount on XX/XX/2019, but then having exceeded the allowed time frame within which to resolve the original credit charge dispute from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a complaint XX/XX/2019 requesting that all disputed information be immediately deleted from my credit report. The company responded asking for another 60 days in addition to what law alloted which is a direct violation of my rights. This company has continued to violate my rights at every turn even this one. This is my last time asking them to delete all disputed Items immediately from my credit report per FCRA604 or I'm forced to file suit for ALL OF THE VIOLATIONS that have taken place and are taking place. This is my last request! The previous complaint number is 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 2019-08-11 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: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING XXXX XXXX IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. XXXX XXXX HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS XXXX XXXX NOR THE COMPANY IT REPRESENTS XXXX EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.

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 2019-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
This complaint is in combination with complaint # XXXX submitted on XX/XX/19. American Education Services continues to demand payment of these student loans, completely violating the automatic stay from my Son 's bankruptcy. Attached is another letter we received from them now demanding payment from co-signer. Something needs to happen to stop the servicer. They continue to persist in the communication even though we have provided them information on the bankruptcy and the previous complaint I filed with CFPB. I am now going to ask the Bankruptcy Trustee to fine this company for the continuous violation of the bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I fell behind on my payments due to lack of employment. Advised the lender of such information and they still repossessed both of my vehicles. Now I am being told I am responsible for the balances after the vehicles were sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: MD

Complaint narrative:
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Avant Credit Corporation
State: MD

Complaint narrative:
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Avant XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with Avant period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Yamaha Motor Finance Corporation USA
State: MD

Complaint narrative:
Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: I.C. System, Inc.
State: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING IC SYSTEMS IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. IC SYSTEMS HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS IC SYSTEMS NOR THE COMPANY IT REPRESENTS XXXX  EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.

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 2019-08-11 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: LA

Complaint narrative:
On XX/XX/2019 andXX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After TransUnion initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion of the accounts. I never got validation of the debts from XXXX or deletion of the accounts.

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 2019-08-11 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: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
I have been calling 180 Resolutions since XXXX of 2019 to pay this debt in full or get a payment arrangement. I want in return for 180 resolutions to STOP and reverse the dings on my credit score. This is unnecessary and is hurting me the CONSUMER credit report. I have called New Mexico Student loans and they are unable to help because the loan or note has been sold to 180 credit resolutions. They are not willing to work with me every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: LA

Complaint narrative:
Dates : XX/XX/2019 and XX/XX/2019 On XX/XX/2019 and XX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After Experian initial investigation, I sent them a second letter informing them I was in disagreement of their findings, because the inaccurate accounts were still on my credit report. At that time I ask for a reinvestigation and provide me with validation of the debt or deletion the accounts. I never got validation of the debts from Experian or deletion of the accounts.

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 2019-08-11 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I am currently going through a divore and I was no longer living at the address that was on file for the utility company. There was an outstanding balance of {$100.00} that went into collections and I had know knowledge of this until it hit my credit report. I contacted the collection agency and quickly paid the debt. I was hoping that the derogatory mark can be removed from my report. The agency that handled the collection was Helvey Associates on  XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: NY

Complaint narrative:
Inaccurate items reporting on my transition credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
Incorrectly reporting different amounts for " charged off '' and " past due '' amounts. Incorrectly reporting reaging 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 2019-08-11 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal keeps withholding my funds without a valid reason, they have made me spend extra money in the past for their XXXX 3rd world Representatives I sold shirts from my website and PayPal withheld my money for no reason. They are trying to retaliate against me for filing a complaint against them, they have stolen money from me in the past by making me / forcing me to perform financial acts that are unreasonable and then thinking and apology later will suffice. This is unjust Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I paid the whole medical debt in 2015 with another debt collector. Now this new company is trying to charge me another amount 4 years later that I paid my whole debt.

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