vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.XXXX TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: DISCOVER BANK
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and it has been over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the XXXX data breach and more than likely got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. 

This is a violation of reporting false information BY DISCOVER on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
Earlier in the year I had made a verbal request to the company ( Hunter Warfield ) to cease calling me. On XX/XX/2021 the company called me twice back to back ( from phone number XXXX ). Once at XXXX and then again at XXXX XXXX  eastern time zone. I called the company back at XXXX and requested that they stopped calling me. A male answered the phone and proceeded to ask me questions. I advised the representative that I just wanted them to stop calling my phone number and the representative rudely disconnected the call without honoring my request. On XX/XX/2021 at XXXX eastern, I received another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
Carter-Young , Inc was contacted several times to dispute a fraudulent rent charge they applied to my credit report in the amount of {$2400.00}. I provided documentation showing I moved out of XXXX XXXX XXXX in XXXX with nothing owed. 

If I had owed any back rent, I would not have received a new housing voucher from XXXX XXXX XXXXwhich was received. 

I requested documentation of what they showed me owing. Carter-Young sent me a ledger sheet showing I owed a XXXX ( XXXX ) balance. It also showed I moved out in XXXX, which was incorrect. I moved in XXXX. 

I want this fraudulent amount removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am currently being sued for a fraudulent interest and fee attachments by Capital One Bank Corp. I have continually disputed these charges of Interest and Fees because Capital One Bank hidden the account charges until interest and fees were accrued. Capital One Corporation representatives claimed that I requested a " paperless '' account statement. When in fact, I never authorized paperless statements from Capital One Bank ( I never use paperless statement and I always validate my charges from written/ paper statements ). This dispute has been going back and forth for the last three years (? ). At one point, I managed to negotiate a settlement but it was rejected because I demand they restore my credit and Capital One Corp expunge bad debt charge with all credit rating agency. They repeated kick-back the settlement and rejected my " full '' settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I closed on my mortgage about 2 weeks ago. Chase reached out to my mortgage broker yesterday where they told him they immediately needed a form which they had forgotten ( Notice of Right to Cancel. ) They have bugged my broker several times within two days and I have in turn been bugged several times. I have not been near a printer and have been unable to print this form. I will do this as quickly as I can but this pressure is unreasonable. 

Chase clearly lacks a proper control environment. Both the initial error ( why do they not have better controls for a Critical Business Service? ) and the follow up ( where do you draw the line for UDAAP? Why am I told that Audit is threatening my mortgage? ) This behavior is inexcusable from a lender who can not manage their own internal processes. 

Please tell Chase to invest in controls, not harassing me. Can you please give me a way to contact Chase? I asked to contact them and was told by my broker that this is not possible. If I am going to have to work with Chase as an investor, they need to behave better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes

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 2021-09-28 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: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open, and it is severely hurting my credit report. 

It would be greatly appreciated if you could please delete these accounts off of my credit file. 

This recent discovery has been hindering me in many aspects of my life. I am currently in the process of buying a house for my family. I ask that the items be deleted to correct my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The LTV on my property gives me more than 20 % equity. The mortgage company is refusing to remove the PMI stating they based their value on the purchase price. They sent me a letter about my payments not being current which is not the case. I am current and have never been late. When I call them I was told that I have to have made substantial improvements to the property in order to have them order an appraisal. I told them I would pay for an appraisal and that was denied. Very frustrated.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
XXXX  XXXX  XXXX  LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Recoveries, Inc.
State: MD

Complaint narrative:
1 ) The U.S. Department of Education sold my financial information to a collection agency named National Recoveries , Inc . I just found out about this company. They are a third party debt collector. They fall under the FDCPA. I do not have a contract with them. 

2 ) The U.S. Department of Education/National Recoveries Inc has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies without my consent. 

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my master promissory note which is a negotiable instrument. 

16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am receiving credit through XXXX XXXX XXXX for the Comenity Bank XXXX account . I am current and have paid all bills related to the account but XXXX has a separate line of credit for the same items but reporting I have NOT PAID MY BILL at all. This reflects an inaccurate tradeline and is damaging my score. I pay my bill and have credit through XXXX XXXX XXXX for XXXX merchandise . I should not have 2 tradelines for the same line of credit. I need the tradeline for Comenity Bank XXXX to reflect the on time/NEVER late payments that XXXX XXXX XXXX has on file on all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: IL

Complaint narrative:
XXXX uses a Keybank card for my unemployment benefits, Someone has repeatedly debited my card using something called bill pay for {$7000.00} I initially opened the dispute with Key bank on XX/XX/XXXX th 2021. They are still stalling and hang up on me repeatedly, when I ask for a status, update or time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: FL

Complaint narrative:
Applied for a Capital One Wal Mart rewards card and was granted credit. I never received the card but it was used for a purchase at Walmart. I contacted Capital One via telephone around XX/XX/2021. Capital One required me to prove my identity by sending in proof of Govt ID, Social Security card and utility bill, although I have A XXXX car loan, checking acct., and 2 other credit cards with them, all in good standing. I have called them multiple times, to get the card replaced, as well as for updates on the dispute. They now tell me after over 45 days that they have to verify that the utility bill sent to them for proof of residence needs to be validated by them contacting my internet provider. That is ridiculous Every time I call, they tell me that it is being escalated. They have restricted my account as well as have refused to reissue a card. I keep getting the runaround. 
I do not have full card number... they will not provide it. It ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX  XXXX  XXXX  Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
these items was a result of identity theft fraudulently made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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:
In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.

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