vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: SC

Complaint narrative:
I got a alert that a company by the name of XXXX XXXX had reported that I owed {$500.00}. This company did not try to notify me of this debt so that we could reach a agreement to settle. When I tried to contact the company to verify the debt the company can not be reached. I have no way of getting in contact with this company to see if this debt is indeed my debt. On their website they listed a way to email them but they have yet to respond to my email requesting them to send verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have noticed credit inquiries on my credit reports that I did not authorize. I have reached out but they will not assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I took out a used auto loan through XXXX XXXX XXXX with Westlake Financial Services in XX/XX/2019. I called the bank mid XX/XX/2019 to let them know that the vehicle was returned to the dealership because it was disabled and couldnt be driven. The bank was informed that I received my down payment deposit back from the dealership in the end of XX/XX/2019 and the dealership already started the buy back process with the bank. I called the bank multiple times to see why the account was still opened in my name, they wouldnt give me any information stating that its between them and the dealership. When I contacted the dealership I was informed of the dealership paying the loan back through Westlake flooring program that takes payments monthly until the loan is paid in full but what I want to know is why am I being penalized with an open loan in my name for a vehicle I no longer have that the dealership took over the payments to buy back. As per contract I do not have the vehicle, as it was never repossessed and when it was returned I didnt owe any money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
IhavenoticedcreditinquiriesonmycreditreportsthatIdidnotauthorize.Ihavereachedoutbuttheywillnotassistme.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I was notified through credit monitoring that Capital One reported that I owed a balance of {$1700.00}. The account being referred to was settled in full on an agreed upon settlement. I initially filed a dispute because of this false reporting that Capital One was doing. Eventually, Capital One reported the account at a {$0.00} balance. After the notification, I contacted Capital One representative that is already working a case that I have filed due to the same dispute about the issue. I was advised that because a dispute was submitted that the balance was placed back onto my XXXX  account. Why would they maliciously place a balance back onto my credit report after already noting the balance at {$0.00}? This makes absolutely no sense. Furthermore, the balance being reported is an incorrect difference between the settled amount and the amount that would have been remaining if Capital One did not agree to the settlement offer they provided to me. I do not owe Capital One anything on this account. They have significantly caused me damage in that my score dropped 28 points and I was no longer able to finance a vehicle and I am in the process of trying to buy a house! On top of them reporting this balance, they reported that I had been late on the payments for the last three months! I paid this account off at the end of XXXX! 
After contacting the account representative, there is still no progress in them fixing my report. 
I work at an agency that requires good standing with all credit accounts. This malicious reinstatement could potentially cost me my job as well. 
I have worked very hard to get all of my debts resolved and paid off to do something like this in retaliation is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX 30 day late XX/XX/2014 2014

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
5 fraud accounts are reporting under my equifax credit file, these accounts were opened with out my knowledge, i did not apply to these accounts, attached you will find these account names and the dates these were opened, i had been a victim of ID theft and these are the results for these accounts reporting under equifax, they have not been able to help and were not helpful at all, i have tried to disputed with all the bureaus XXXX and XXXX   were understanding, except equiafx, and they either dont dispute or try to get rid of me with their security questions. please help me, i have been in a very bad situation wit in the last three years and i have done my best to resolve these inaccuracies, if i had the financial situation i would have hired a lawyer to file these complaints but unfortunately i do not, i need you r help to go through this though time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
The company involved conversent is a debt collection agency when you tell them you have the wrong person No Debt Collector is wanting me I pay my bills.Thats when they get mad call me on my cell phone all day and landline they will not stop I wish to file harassment charges against them. XXXX one of there main phones they also use XXXX XXXX XXXX here is just a few more # s they use 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 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
In XXXX, I was alerted by mail that my account with XXXX XXXX Hospital was turned over to XXXX. I contacted XXXX on XX/XX/XXXX, regarding the transfer of the account. I learned that XXXX had two accounts from XXXX XXXX Hospital. The first account was {$1100.00}. The second account was {$670.00}. I disputed the second account, because I thought I had paid it completely. I setup a payment arrangement for the first account for the monthly payments to be automatically deducted from my credit card. In XX/XX/XXXX, I discovered that I paid a XXXX bill in full, which was different from the second account that XXXX had. Therefore, I call XXXX on XX/XX/XXXX to ask them to add the second account to my existing payment plan. XXXX added the second account to the first account and told me that my monthly payments would continue to be {$120.00} per month. The representative agree. XXXX reported the second account as being delinquent to the Credit Bureaus on XX/XX/XXXX. I call XXXX, in XX/XX/XXXX, and asked them to correct and remove the error that was reported to the Credit Bureaus, because I had not missed a single payment. The representative said the error would be corrected in two weeks. Now, XXXX refuse to correct the erroneous reporting. In addition, XXXX did not communicate with me that they were going to report the second account as delinquent. Therefore, I did not have the opportunity to remedy the situation, before they made the injurious report to the Credit Bureaus. As of XX/XX/XXXX, XXXX XXXX bonds with Texas Secretary of State has be cancelled and has not been renewed, since XX/XX/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 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I attempted to purchase from an online retailer on XX/XX/XXXX who claimed to use XXXX as a means of payment, as it was most safe. After receiving a confirmation number and not being able to contact the seller I contacted PNC bank, where I made the transaction, after getting suspicious on approximately XX/XX/XXXX and inquired about how XXXX works and asked to cancel the transaction. I was told to let the payment go through then to file a dispute. On XX/XX/XXXX I received a letter dated XX/XX/XXXX, reference # XXXX saying the dispute has been resolved and was denied. I called to request more documentation on why it was denied and was told all XXXX disputes are denied because of the nature of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX Requested that they verify the information, they have said the account is not accurate, and should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: FL

Complaint narrative:
AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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:
Incorrect information on your 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
Consumer complaint received 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC
State: DC

Complaint narrative:
Starting XX/XX/XXXX I paid Clear One Advantage a fee for providing me with services to repair my credit. This agency did not contact any of my debtors to inform them that Clear One Advantage was representing me. Also my debt continue to increase while waiting for Clear One Advantage to assist me in paying my debtors. When I informed Clear One of this increase of my debts I was told that I had to pay them {$15000.00} before they could help me pay my debtors. Their contract is design to fit the company and not the client. I was charged a monthly fee of {$220.00} starting from XX/XX/XXXX to XX/XX/XXXX. This company did not report that I was paying fees to the 3 credit bureaus. This could have helped my credit if they would have reported it to the credit bureaus. I had numerous problems trying logging into my account with Clear One Advantage.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
three fraudulent accounts and inaccurate reporting are on my equifax credit reporting agency, m i have tried to dispute with them but for some reason they are every stubborn do not trying to help what so ever, i have tried to call to receive dispute results but literally they are asking security questions that i do not even know them or never had these accounts, and i explain it is because i did not open or dont know about these, but late time they did not even answer my questions. i will be attaching my police report and the FTC report that i had inquired and sent to equifax as well. 
please help me in this very tough situation thank you for you cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: NC

Complaint narrative:
All of these accounts and account numbers are what I believe to be fraudulent. I have detailed the nature and the way I believe the thieves who stole my identity previously to the bureaus with out any resolve. I am requesting these accounts are removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX while trying to use my debit card, I found out that my bank account had been frozen. In doing further research with my bank, XXXX XXXX XXXX XXXX ( XXXX ), I was able to ascertain that XXXX XXXX XXXX, on behalf of Chase Manhattan Bank, had put a freeze on my bank account due to a judgement for a credit card I may or may not have had back in the late XXXX's/early XXXX ( I have no idea really what it is about ). This is the first notice I have received for this judgement and any further actions that were taken. I called XXXX with XXXX on XX/XX/XXXX for further information and still did not receive the information needed nor anything in writing that I could dispute these charges with before the action was taken. I have since left XXXX several voicemail messages to which thus far have not been returned. I also check my credit report on a regular basis and this charge/collection efforts have not been noted on anything. Please assist at your earliest convenience as this is creating a tremendous financial hardship on our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have made numerous attempts to correct the inaccurate reporting by Wells Fargo. I have filed numerous Direct and In-Direct Disputes. No one is taking the time to review the situation in its entirety to even see the error. Which has caused my credit score to drop 50 points. MAIN ISSUE : Obligor filed Chapter XXXX  bankruptcy on XX/XX/XXXX. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/XXXX. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. As of today, Wells Fargo is reporting 120 days past due on my credit file. How can an account be reported past due 120 days where a lender has already charged off? How can a lender report a charge-off on a person that is not liable for the debt. In XX/XX/XXXX, Wells Fargo reported the account as a charge-off. I disputed and know the account is reporting 120 days. So since the obligor is in bankruptcy and Wells Fargo decided to charge-off, now my credit will reflect an account 120 days due forever????? In addition to being a violation of the FCRA, this is also an Unfair and Deceptive Act and Practice. I am a non-filer and was only suppose to be an authorized user not a co-obligor. From a credit reporting perspective, Wells Fargo is reporting inaccurately. If Wells Fargo made the decision to charge-off, the charge-off can not be reported on the non-filer. The charge-off was not due to non-payment. In addition, as part of the FCRA and Credit Reporting Resource Guide, a data furnisher has a duty to furnish accurate data. Reporting that an account is 120 days past due that was charged off is that Wells Fargo is violating the duties of a furnisher. In this scenario, being that the debt was written off, it is violation of the FCRA for Wells Fargo to report any status a non-filer. I recommend that the CFPB AUDIT WELLS FARGO bankruptcy credit reporting. I'm POSITIVE that there are other impacted accounts. Though I am not an obligor on this account and was only an authorized user, my credit has been damaged. i HAVE FILED OVER 10 DIRECT AND INDIRECT DISPUTES AND ONLY MORE ERRORS HAVE OCCURRED. In addition, Wells Fargo is not reporting the correct Compliance Condition Code. If a Wells Fargo agent is receiving this complaint/dispute, please escalate to the Credit Reporting Subject Matter Experts. If they are unaware of how to report this scenario, please reach out to the Consumer Data Industry Association ( CDIA ) for guidance. Please accept this as my last attempt to reconcile directly with the furnisher. If this inaccurate reporting is not removed from my credit, I will seek legal representation.

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 monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: OH

Complaint narrative:
Since 2000 Ive had a 26.99 % APR on my discover credit card. Ive addressed this issue several times with Discover. Ive been given a 1 year promotion of up to {$5.00} in addition to paying over {$100.00} more than my minimum payment. I recently complained to the XXXX. The response was a snarky work with our specialist to help pay down your credit card and a 4 % decrease to 22.99 % as the best they can do at this time. My conversations with the executive office revealed the ineptitude of their process and lack of understanding. Stating their policy of which I cant view, was taken into consideration. Im absolutely dumbfounded that a good standing card holder of 20 years and an XXXX military Soldier with a limited income can not receive anything better than a 4 % decrease considering Ive paid thousands of dollars to Discover through interest. Ive always paid over my minimum payment and yet I am still treated as a student with zero  credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: NC

Complaint narrative:
I requested a credit investigation on XX/XX/XXXX. I was suppose to get a respond by XX/XX/XXXX, but I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Previous Complaint XXXX : In response to this previous complaint Pay Pal notified me they were refunding XXXX dollars as a courtesy. But last month we mailed our payment for it to arrive in time thus avoiding a late fee. With friends I write frequently in XXXX, NC, I am familiar with the time frame with which the US Mail takes to traverse the distance to there from our home and back. But looking at their invoice, they posted our payment one date late on XX/XX/XXXX instead of the date it arrived. And five days later they accessed this account another XXXX late fee. My sources familiar with Pay Pal stated it is not uncommon for them to hold a payment so they can access a late charge. And they make millions doing this to other patrons also. I consider this a form of fraud and request a review of their activities. This may also be considered racketeering and I am sure there are laws against such treachery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I refinanced my auto loan in XX/XX/2018 from XXXX XXXX XXXX to XXXX XXXX. I called for 2 months asking when will I start to pay my auto loan through the new provider XXXX XXXX. I was notified the end of XXXX that my bill was due on XX/XX/XXXX by the time I was made aware of the due date it was already 30 days late. I have been trying to work with the company for a year to have this late payment removed but they refused to take responsibility for they lack of communication with the consumer. This late payment have destroyed my credit and is preventing me from being approved for a home loan. Please assist with this matter

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