vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: CA

Complaint narrative:
I sent both Equifax and XXXX a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am financing a car from a dealer and was approved from westlake financial for  XXXX with an apr of 24.99 % with 66 payments of {$410.00}, which is really high for me for a first time and they provided me a credit score from FICO and when I called them to ask for an extension they said I needed a 4 payments to obtain an extension and they said that it is from the company policy which I ask to provide a proof and they were denying that request to provide me a proof, and when I payed one of the month it says the interest and principal, when I took out the car they recommended me a GAP in order to drive the car paying {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I received communication from two companies claiming I owed a balance with XXXX XXXX XXXX. The first communication, a letter, was received on XX/XX/2019 from XXXX XXXX. I responded the same day by mailing out a debt validation demand to the address they provided me. On XX/XX/2019, I received second mail correspondence from a company called Resurgent Capital Services claiming they manage the company LVNV Funding LLC, which was apparently a related party to XXXX XXXX. They indicated that they received the inquiry and that I should contact them by phone. I responded today by mailing another letter to Resurgent, again disputing the debt and indicating that I would be filing a consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: NM

Complaint narrative:
XX/XX/XXXX through XX/XX/2019 XXXX XXXX XXXX has been calling my cell phone and home telephone numbers at least five times a day total. I am only a co-signer on the contract of a vehicle. The borrower said that arrangements has been made for a payment but they continue to call. The payment is due the XXXX of each month, the vehicle is not in collection or repo status it is only a few days past due and yet the collection dept. starts calling me the next day it is past due. Prior to the XXXX they send an email to my email address. Please I do not need to be called 5 to 6 times a day.

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 2019-02-20 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 sent both XXXX  and Transunion a letter requesting that they verify and validate information that they are reporting on my credit report and I also requested WRITTEN validation and verification that the previously disputed items they are being paid to list on my credit file. 

This is my 3rd request and they have not sent anything to me. per federal law they are required to. As I have previously written them that their is someone else that bears my same name and the accounts that they are listing on my report is inaccurate and that a proper investigation needs to be conducted not just a letter sent to me stating that they completed the investigation and no results sent to me.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

We are requesting that they abide by the Federal Laws in this matter.

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 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Received notification of a derogatory error on my credit report from COI. Covergent Outsourcing INC. I have no knowledge of company and I have never signed a contract with this company.

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 2019-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A credit card was open fraudulent in my name with capital one ending in XXXX. Capital one is reporting fraudulent activity on my credit report and refusing to do a thorough investigation. My identity was used to open a credit card at capital one bank while i was out of the country. 

I need capital one to take responsibility and accept that they didnt take the necessary steps to protect my identity and avoid fraud. I want the fraudulent account deleted. 

I have attached documents of when I was out of the country, a copy of the police report and a letter from my bank for the fraudulent payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I currently have two American Express points Credit card. I have earned close to XXXX points. I was trying to redeem the points, I get an error stating that my account is on hold and I am not able to use the points. Upon speaking to several customer representatives, I was told there was a hold on spending the points for a few months without giving a clear reason for the same. No representative has an idea of why it is happening this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was going over my credit report and I seen unauthorized inquires that I do not reocognize.Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissiblepurposes, '' that must be met before anyone can inquire a credit file. I never gave any permission for the following companies to pull my credit report XXXX XXXX XXXX / XXXX   demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2019-02-20 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: PA

Complaint narrative:
in the spring of XXXX i received a colecttion notice from XXXX XXXX XXXX for remaining balance of XXXX for my XXXX XXXX  XXXX card on XX/XX/XXXX paid remaining balance i have canceled check and bank statment for that check. in XX/XX/XXXX received a colections notice from XXXX for same XXXX account for the same XXXX began disputes at this time sent supporting documents to experian multiple times only have proof of certified letter sent to XXXX with supporting documnts on XX/XX/XXXX at this time i belived everything was taken care of but on XX/XX/XXXX recived another collection notice for same account for same amount from XXXX XXXX began disputes again this time after multiple phone calles the account was marked paid XX/XX/XXXX did not look into it to much even though they were a year off of date it was paid it was over. until XX/XX/XXXX i began making sure my accounts were all accurate or reports to find out it is marked paid but as a charge off ... so after multiple attempts to resolve situation and sending support documents nothing happened my criedit score is still suffering

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 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I received a letter in mail today from convergent outsourcing say I owe XXXX XXXX . My name and address are correct on the letter I called XXXX but they have no record of this. This is identity theft since I have not used XXXX nor do I owe any money I want convergent to confirm I owe nothing and to not contact me after that

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one ( XXXX ) XXXX I had a fraudulent transaction made on my account made in Monday XX/XX/XXXX at a XXXX store for {$140.00} and I received an alert on my phone App. I immediately reported it to the credit card company and told them that I was at work during that time and somehow there was a fraudulent activity on my account. They told me not to worry about it that my account was 100 % fraudulent protectected against unauthorized transactions and they removed the charge on XX/XX/XXXX. Then I received a letter that the investigation was closed and that they had determined that I was not liable for the fraudulent transaction. On XX/XX/XXXX XXXX rebilled the {$140.00} and said that pretty much they changed their mind and spoke to supervisor ID XXXX and said that they are holding me accountable for that transaction. I said if that I am not willing to accept responsibility for a transaction that was not made by me. She said that I couldnt do anything else and that I have to pay that unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
re : Previously claim # COMPLAINT ID XXXX Please advise JP Morgan Chase bank that, as of the end of the week, I will be filing a claim in small claims court in XXXX XXXX District Superior Court. for the maximum amount of {$10000.00}. Despite the fact my original claim to the XXXX was filed on XX/XX/19, Chase operated belligerently and without any pretense of good faith in allowing me to access documents and form a substantial argument against their spurious allegations, have refused to communicate with me in writing, or provide any verification of the alleged debt owed. Their time frame for a reasonable response has long since expired, and I am ready to adjudicate this matter in open court.

Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alco Collections, Inc.
State: LA

Complaint narrative:
I never received any notification from Alco collections I noticed on my credit report must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: CA

Complaint narrative:
Experian is not providing timely access to temporary removal of my credit freeze. Today I called their number twice and tried to log into their website to lift my credit freeze with them as requested by my Credit Union i wish to take out a car loan with. Their phone number requested I mail them a letter with an absurd amount of my personal information and their website was not working saying it was down for maintenance. 
Date XX/XX/2019

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 2019-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I was scammed when buying a purse from someone on XXXX. The person told me if we can do the transaction through XXXX which was secure. And her bank chase had it. She said nothing to worry about youre money back is guaranteed. And everything was all a scam never got anything try calling back the person the number was disconnected. My bank also Chase couldnt help since they said the transaction was authorized. It is very frustrating! I just lost {$470.00}. I also went to the police department and file a report. And the reason why I knew it was a total scam was because the person had re-posted the bag for sale the next day Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: MA

Complaint narrative:
I have been disputing accounts on my credit report every thirty days for almost a year with TransUnion ; I filed a complaint with the CFPB in XX/XX/2019, last month, regarding their erroneous, invalid and unverifiable reporting of specific accounts and inquiries. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable accounts and inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action but they ignored and/or overlooked my requests ; TransUnion decided to update records ( still in error ) instead of complying with Federal Law and DELETING unverifiable accounts. I took it a step further ; not only did I contact each phone number they provided, I was also able to confirm with each alleged furnisher that no investigation was conducted by TransUnion and that there is no record of any consumer contract with my signature on it, clearly reporting violations. TransUnion has failed to conduct proper independent investigations, provide methods of verification, provide verifiable proof via original instrument of indebtedness in its original form on multiple accounts and has also failed to provide verifiable proof of permissible purpose on inquiries they continue reporting in error. I understand TransUnion is a for profit business, so they cater to their customers ; the alleged furnishers in attempts to keep consumers credit ratings lowered in order to conduct more business with predatory lenders for obvious reasons. But, the consumers do have rights ; all accounts being reported on all consumer credit reports must be 100 % verifiable and 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer.

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 2019-02-20 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: WA

Complaint narrative:
Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in 2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX XXXX, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in 2016. Experian is clearly not even investigating the matter. 

UPDATE : I filed one CFPB complaint and Experian claimed, again, they were working on it. They have since claimed to resolve the dispute. They removed one incorrect month, but now a new month has appeared ( XXXX ). They have not fixed the error, and continue to lie about contacting the original debt owner, who I spoke with. Their error is dramatically hurting my credit score and I need a resolution as quickly as possible.

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 2019-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/XXXX I realize I was the victim of identity thief. 
Later I found a charge on one of my credit cards from XXXX and I can not find that charge on my account I had called and they said also they couldnt see that charge and I gave them the card number and it turned out to be it was off of my ex fiancs I found that Had been using my credit cards without my authorization I did make FTC Report I also made a police report multiple times Ive called synchrony they asked for me to send in the reports I sent FTC, police report a. Exparte and or US postal change your residence her name to my address for fax dates I sent XXXX XXXX XXXX XXXX XXXX .XX/XX/XXXX Ive callMultiple times I get hung up on I get transferred I get left on hold Basically they said that because packages were coming to the house that wasnt fraudulent thats why I showed them the change of address I work late dont come home till about XXXX or XXXX XXXX XXXXXXXX had to livered packages between the hours of XXXX to XXXX XXXX I get emails from them letters my XXXX XXXX had set them off on my account but Im still getting bills for it. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation