vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase Slate credit card for 12 years, 1 month ( opened XX/XX/XXXX ). I was in good standing and paid off the entire balance of the card. Last XX/XX/XXXX, the card was closed due to inactivity. I didn't realize this until XX/XX/XXXX. I called requesting to reopen the card but was told nothing could be done. In addition, they have this feature enabled on all Chase Cards, forcing me to have to keep constant use of all my Chase cards or run the risk of my cards being closed. This can severely destroy my credit score by ruining my average age of credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 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: GA

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-31 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: NY

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.

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 2020-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: FCC Finance, LLC
State: FL

Complaint narrative:
Tree days ago on XX/XX/XXXX, I notice a change in my credit score. It when down about 30 points due to a new account posted with 120 days past due payment. The company is FCC Finance after I call them, I found out that FCC Finance just acquired a loan company by the name of XXXX XXXX. I did have a loan with XXXX XXXX back in XXXX. It was my understanding that my loan with XXXX XXXX was fully paid after I completed all payments. After that, I move to Florida and never hear anything from XXXX XXXX. In 6 years XXXX XXXX never showed up on my credit report or reported a collection on by behave. Now, this company FCC Finance ruined my credit for a fee that apparently I did not pay, a fee of {$180.00}. Because of this {$180.00} we are going to lose our house. You see, we are about a month away from the closing date on our mortgage they are currently building our house here in XXXX Florida, and with this late payment posted by FCC Finance, my loan officer told me we have very little change in getting the house and we will lose all the money we already paid. I begged FCC Finance to remove that late payment form my record, I explain I did not new about the {$180.00}, but they did not care they even got angry and annoyed at me. And then I ask why no one try to contact me before they posted this on my credit report. They said they try to send an email and when I ask what day they could not give a straight answer. You see there is no way I will put in jeopardy my family 's future for {$180.00} if I knew I owe this money I will have paid it 6 years ago. 

I did pay the {$180.00} the same day I contacted FCC Finance despite the anger and powerlessness I felt and still feel. I am very desperate and disappointed on how this company behaved towards me and how much I will lose for a XXXX year old late fee that no one had the dignity of trying to contact me before posting this on my credit report. I am not a law expert but I am counting on you to help in any way you can. This type of behavior forms a company is not right in any way. 

FCC Finance is from Texas but in the web site below they also do business in Florida and since I am a Florida resident I ask for your help. 
URL : https : //www.fccfinance.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.

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 2020-07-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a late payment reporting on XX/XX/2020. They said they will update the inaccuracy and correct it paid on time for the month of XX/XX/2020. I have the letter attached as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I have made multiple attempts to obtain copies of the original loan documents from Santander Consumer with no success. Santander 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. Santander is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent off a debt validation letter to Heritage Acceptance Corporation. It was delivered via certified mail ( USPS ) on  XX/XX/2020. 
Heritage did not complete the debt validation form as requested in the letter which will be included in this complaint. I have highlighted ( Exhibit B ) the areas in the form that were supposed to be completed by the corporation, but has failed to do so. 
Heritage Acceptance Corp has also clearly violated the FDCPA.

15 USC 1692b ( 5 ), " not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt '' ( I have also highlighted this violation in Exhibit A ) 15 USC 1692e ( 11 ), " The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' Heritage failed to disclose in their communication via postal mail that they were attempting to collect a debt which violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover states that a letter was sent in XXXX, 2020, alerting me that my account would be closed due to inactivity. I never received the letter. I was alerted by a credit reporting service that my account had been closed on XX/XX/XXXX. I called Discover on XX/XX/XXXX and told their representative that they should have sent a warning electronically through their app or online service center. This was an older account that I wanted to keep. Had I received that warning, I would have done what was necessary to keep it in good standing. Instead, during a world wide pandemic, when people are struggling financially and not going out to shop and eat, my account has been closed and I no longer have access to that credit. Furthermore, my score took a hit for this cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IN

Complaint narrative:
I have made multiple attempts to obtain copies of the original loan documents from XXXX XXXX with no success. XXXX 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. XXXX is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: MA

Complaint narrative:
I was the cardholder for a XXXX XXXX Store Card Account in 2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact Capital One directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that Capital One does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in 2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX 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
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS AFFAI, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX 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
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a certified letter to RS Clark and Associates for  debt validation. I did receive a response today which is XXXX XXXX. However, I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and to return with the proper documentation. The company responded within the time frame but they sent a copy of a collections write off report saying this is their validation and they are sure the information is accurate, therefore they deny any inaccuracy. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of a report which proved nothing to me so I dont see how this was verified the report had little detailed information. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If not their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately RS Clark and Associates didn't provide anything but a copy of a collection write off report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Date XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX and velo law keeps harassing myself and my friends they keep hand delivering papers to my friends threatening them saying I'm lying I live at the address which I do not and have never .i 've called them to tell them I don't live there they keep harassing myself and people I know. I have messages and pics from my friends of the papers and all. I have started my chapter XXXX and told them and they continue to harass and disclose my personal information. That's against the law. they have been gone as far as to make my friends think they are the police this is ridiculous and has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I XXXX XXXX mailed a deposit from outgoing mailbox @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to Banner Bank XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. 
When it didn't show in account I called Banner Bank on XX/XX/2020 & talked to XXXX on phone, who is a teller. 
She said they had not received it yet, might be a mail delivery issue. 
It's XX/XX/2020 & still no check delivered to the same town.Usually takes 1 day. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   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
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   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
Consumer complaint received 2020-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. There's a derogatory item that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiry : 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