vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valentine and Kebartas, Inc.
State: MI

Complaint narrative:
Regarding Valentine and Kebartas - https : //valentineandkebartas.com/ : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX - Continually calling. They are asking for a XXXX XXXX. I am not him, I do not know him, he is no friend or relative of mine. 

I have repeatedly told them this. They claim to " take me of their call list '' but the calls continue. 

I suspect this is a disgruntled customer who is using my phone number to stop the collection calls on his end. 

This seems to be a common complaint for this company if you do a simple XXXX search and look at the reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
XXXX has for last 7+ years been restarting the claim saying i owe them money when they broke contract by screwing up my phone i had has a back up and putting it on the account of who i bought the newer phone from and would not correct it, kept raising the bill every month and wouldn't correct it, repeatedly called and harassed me and threatened to take me to court and sue for past due amount. original account is over 7 years old so how does it keep renewing and showing up?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2020-12-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2020-12-17 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: VA

Complaint narrative:
American Express is acting in an unfair and deceptive manner. I recently downgraded my card from a XXXX XXXX card to a XXXX XXXX card. I had been contemplating this move given my lack of recent travel due to covid. However, as I started to research earlier in the Summer, I noticed I was close to the $ XXXX spend threshold that allowed me to earn an additional XXXX MQMs. 

In late Summer, early Fall, I contacted American Express, inquired about my spend ( was told over $ XXXX ), confirmed I would still get the MQMs if I downgraded, and then after confirming both, I chose to downgrade to the Blue card. The MQMs never showed up in my account. I called each month around the XXXX when my earned regular miles would post, and was told I was good and the miles sometimes take a while ( up to 90 days ). The XXXX of XXXX was 90 days. 

When I call, American Express pushes me to XXXX. XXXX pushes me to American Express. Neither has resolved my issue. 

Additionally, when I called again today ( XX/XX/20 ), I was told that I did not meet the $ XXXX spend threshold. This would have been the first time in 4 American Express agents to tell me this, and run directly counter to what I was told when I downgraded my account. 

I am hoping you can help me get this resolved since neither American Express nor XXXX seem willing to take ownership of this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account I dont want to loose my citizenship. I dont have XXXX or XXXX XXXXXXXX Revolving Accounts : Accounts with an open-end term XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}

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 2020-12-17 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: NY

Complaint narrative:
Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account XXXX dont want to loose my citizenship. I dont have kohls or XXXX XXXX Revolving Accounts : Accounts with an open-end term KOHLS/CAPONE XXXX XXXX XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i dont have money to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: MA

Complaint narrative:
I receive a product that was defective ( did not work as advertised ). 
I complained to the merchant but after protection time expired, they stop responding to my messages. I filed a charge back request with the Capital One, but they denied it. The original request was via fax, but I wanted to submit screen shots and pictures that show that the product was defective. After I complained the second time, they allowed me to upload the files that can clearly show that the product was defective. They still denied my claim. 
They want me to pay for a defective product ; this is a violation of the Federal law. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Source Receivables Management LLC
State: TX

Complaint narrative:
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: IN

Complaint narrative:
This is an ongoing situation that has grown. I filed a CFPB report XXXX. XXXX. Since that time I have had a balance increase reported that is not addressed on the charge off and Failure to Validate and failure for Experian to post the account was being disputed. XXXX account XXXX. The Charge off date or Status Update is incorrect. The High Balance and Credit limit are incorrect. The charge off balance seems to have changed over the course of the Investigation. I don't know what it looks like because XXXX has not responded to my debt validation requests. And I do not think the investigations are done properly because there have been some times that the comment section did not say under investigation. In XX/XX/2020 XXXX added to the comments that the charge off balance was {$1400.00} while claiming the credit limit was {$1000.00}. XXXX disputed all these things and they are still there and not addressed. I sent most of these certified mail. I sent Letters every month since XX/XX/2020 to Experian. See attached.

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 2020-12-17 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: GA

Complaint narrative:
There are several hard inquiries on my Experian report and they're inaccurate. I did not authorize these inquiries, and Experian refuses to remove the inquiries. I spoke with a representative on the phone named XXXX, and he hung up on me.

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 2020-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: NJ

Complaint narrative:
A scammer pretending to represent Speedy cash call XXXX XXXX XXXX lied to my daughter stating that he would bring her credit score up and a XXXX will be deposit to her account after two deposit to her account to bring her credit score to XXXX. My daugther had a problem with her bank account with some other transaction and could not use it to have the money deposited. I let her borrow my account to deposit this amount. He deposited XXXX and instructed my daughter to ask me to transfer her to her XXXX account and she proceeded to send it to an unknown woman. He then lie to her stating her credit report was not high enough for the loan and wanted to repeat the transaction using my bank account. I completely refused and told him by calling the number above that I will report him to your organization. I recently received a claim letter stating that a temporary credit will be put in my account after my bank complete an investigation. This transaction was made through an ATM. I know this is a scam and they are trying to utilize my bank account to transfer money. Please contact this scammer above or track his address for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I went online for a free credit report with Transunion and their site kept giving me " bad URL errors and " could not complete request " errors. Then I called on the phone and completed a report order. I received a card in the mail stating that their records show I have already received my free annual credit report in the last 12 months. I have not requested one in over 2.5 years. I tried to call to find out about this since I believe my credit report was requested by someone other than me and they sent my credit to them. I could not get to any human to discuss this issue and the phone would hang up. I believe Transunion has serious security issues and the fact that our personal info is going to people overseas that work for them, doesn't help. My credit security is a HUGE issue, I have worked hard for good credit, I don ' need anyone messing with it and if they sent it out in the last 12 months, someone very well could be using it for their own personal benefit! But I can't get through to this company to get help and I am going to sit and wait for something to show up on my report and then have to go through a lot of work and everything else involved to fix it! THIS NEEDS FIXED IMMEDIATELY! 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 non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I moved out of my home XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX, NC XXXX. I owed for the months of XXXX and XXXX. My bill for XXXX was {$170.00}. XXXX and XXXX {$30.00}. When I tried to pay this amount XXXX XXXX would now let me pay. They had tacked on some {$5.00}?? something bill onto mine. The amount is now {$1100.00}. I have tried to call numerous of times throughout the years but like today, I have been on the phone for hours. It has effected my credit and me getting any type of loan. When I tried calling XXXX XXXX I spoke to 5 managers and noone knew why the bill was this amount, the couldn't find anything. One lady told me I only owed around {$300.00}. One manager sent me an itemized bill that adds up to {$550.00}. I am furious about this and do not know what to do. Bull City Financial has taken over and has been very rude to me. No one will send me any information regarding this matter. I have voice recordings of all the managers as well, if I need to provide. All stating they have no idea where this extra debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: VA

Complaint narrative:
On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything. 
Please advise.

Company response to consumer: Closed with non-monetary relief