vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: MD

Complaint narrative:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   XXXX  Account Number 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 2020-05-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-05-12 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: FL

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

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 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party 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 2020-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
So as soon as I XXXX  college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party 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 2020-05-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This concerns a Capital One Quicksilver account. 
I have limited vision. Because of small print, low contrast between silver background and white letters, and the high reflectivity of card, I can not read it even in good light. In particular, I can not read the customer service phone number or expiration date even with a magnifying glass. This means I can not use the card over the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: KY

Complaint narrative:
I sent correspondence to UNITED REVENUE CORP ( URC ) concerning medical bills that were the result of ID Theft. I receive no reply/response and in a follow-up call, URC claimed they never received my letter stating that I wish to dispute the collections claim. There are four ( 4 ) different bills that are under the name of XXXX XXXX, however my legal name by which I go by is XXXX XXXX XXXX XXXX, to which I DO NOT abbreviate due to past cross-referencing. However, my DOB and SSN have been attached to the fraudulent abbreviated name and has caused great confusion when verifying/validating the accuracy of the medical bills. 

URC claims that I have had services rendered at four hospitals on four ( 4 ) different dates. This corresponds with the same time of the date range that correlates to my ID Theft, as I continue to uncover more ID Theft incidents. 

With URC, I sent a letter disputing the claims they have on record and never received a response. On the follow-up call, I was verbally informed of dates, and medical record id numbers along with the hospitals and dates where the services were rendered. This was specifically requested in writing to establish dialogue and updated information so that I could receive written responses. 

Per URC, I contacted the hospital and they referred me back to URC for resolution. I requested for a formal affidavit form to dispute and URC does not provide such forms or process for victims of ID Theft. However, in my original correspondence, I attached a notarized Affidavit of ID Theft along with other documentation to begin the process, yet URC is using tactics to discourage and abuse opportunity to gather information on the collections accounts and a clear process that entitles me to remedy my injury ( inaccurate information on my credit report ) as the result of the ID Theft. 

Also, in the conversation, they indicated that their fraud Department would determine the validity of my claims, yet also informed me that the original company to which they bought the collection medical bills would have to be the entity that proves I did not utilized medical services ; when I contacted the originating hospitals, they referred me back to URC. 

My concern is that my rights to obtain information about the collection account is being purposefully impeded by URC through their collection process and obligation to provide requested data. In addition, their 'investigative ' process that was explained to me, is contradictory and has an element of subjectivity that allows URC to report inaccurate information. These factors only further the injury to me and my reputation due to an inaccurate credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Lease
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: NY

Complaint narrative:
I have a lease with Chase Auto Finance and they stopped my automatic payments. 2 payments were missed and I have now paid off these amounts. I explained to their agent that their documentation states that if you return the car, I would have to stop the automatic payments. But according to them, apparently when I extended my lease, I have to turn automatic payments back on. 

I just received a call from the agent that I spoke to last week telling me that they would not be able to back-date the payments after they had informed me that they would. 

I have been a loyal customer to them, have been very consistent with my payments on all except one occasion ( which was also mishandled early on in this lease according to my opinion of the events ) and they are treating their customers unfairly during this crisis. My wife was diagnosed with COVID and this has been a very stressful time for us. There are many customers that are suffering and to hear that there is no leniency during this time is very poor customer service. 

My credit has been negatively affected before because of their mishandling - all of my other creditors have been paid on time. I accepted that first incident and thought I could move on from that. This is unacceptable that they would do this during this crisis especially when I am caring for my wife and some of their documentation is confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My company has a business checking account at Chase Bank in the name of " the business ''. A person who worked at my company also has a bank account at Chase bank. This person was able to deposit 55 checks that were clearly marked pay to the order of " my business name '' into their own personal bank account. Chase refuses to correct this horrible mis-allocation of funds that went into the wrong account ( {$8200.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX, ( XXXX ) XXXX, Email : XXXX. As of XX/XX/2020 via Cash App ID XXXX  XXXX I had an unauthorized withdrawal transaction though My XXXX XXXX XXXX XXXX for {$1900.00} and absolutely can not contact any support via phone/email to dispute this transaction, which has settled. This basically cleared out my entire XXXX XXXX XXXX!! I did not do this transaction via my Cash App  phone or computer and suddenly noticed this large amount had been withdrawn from my Bank Account via cash App. Fortunately I was able to contact the recipient of the Account that was transferred to which is XXXX XXXX XXXX, and her Cash App ID is is XXXX  XXXX  Phone ( XXXX ) XXXX, Email : XXXX, and I contacted her and she claims she can not just do a refund because her account may have been hacked/compromised by a person stating he was a Cash App representative, XXXX XXXX, ID NumberXXXX, and is her account is now Locked, via email XXXX. Mrs XXXX seem to think the person may actually be a Cash App representative that did the unauthorized transaction because he has continually attempted to contact her via phone. Mrs XXXX also stated she lost over {$1200.00} in her Cash App account. I have attempted several times to contact cash App/Square Up company representative via my actual account and have not received any response. Please assist to verify, assist, investigate, and/or anyway help me in get my funds back and contact a real Cash App/Square support contact? XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2020 I called into Macy 's DSNB to advise that I would be unable to make payments on my account due to Covid 19. I was told by the representative that they currently did not have a covid 19 plan in place but there would be notes on my account notating that I was affected by a natural disaster and requesting deferment. I asked if in the event that I was note able to make a payment would there be any negative reporting to the credit bureaus and she said no. She noted that I would receive a letter confirming my request for deferment due to natural disaster. I never received said letter. On XX/XX/2020 I received a notice from XXXX  that this Macy 's DSNB account was reporting 30 days late. I immediately called to see why the account was reporting delinquent even though the prior agent advised me that there would be no negative reporting to the credit bureaus. The agent with whom I spoke on XX/XX/XXXX advised me that at the time of my original call that Macy 's did not have a COVID19 plan in place and that said plan was not in place until XX/XX/XXXX. She did place me on their COVID19 deferment plan. When I advised her of the negative reporting to the credit bureaus she told me that she would report the dispute to Macy 's credit reporting department at XXXX and that they would be giving me a call the following week to confirm that they will be removing the 30 day late notice on the account. I have yet to receive a call so I called back to the Macy 's  main credit card servicing line at XXXX to follow up on XX/XX/2020. The new agent with whom I spoke told me that the agents in that dept would not be back to work until XX/XX/XXXX. So I am really getting conflicting information as to who to call and with whom to follow up and on how to get a resolution on the negative reporting of which I was originally told would not occur due to the economic COVID 19 pandemic

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 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I bought this time share XX/XX/XXXX, paid 1 payment then couldn't use the facility or any other facility. I called the time share company up & said I don't want to buy this type of a scam & never paid on it again. Since XX/XX/XXXX my credit report is showing my high credit amount is {$490.00}, my last payment was XX/XX/XXXX, my balance owed is {$15000.00} noting " reclaim colltrl to settle dflt mtg ''. The only thing that may be correct is {$490.00} I paid. I should owe that company nothing because i received nothing for what they promised. This is a scam & they should not be allowed to be in business. I've called the company many times, they refuse to remove anything from my 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