vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: FL

Complaint narrative:
I have been leasing cars from XXXX XXXX XXXX XXXX XXXX for the past 29 years my most current lease expired XX/XX/2020. I wanted to get another lease through XXXX  XXXXXXXX for another XXXX, the car i wanted was not available at the south store whom I been getting leases from the past 12 years so i called the north store and a very anxious typical salesman named XXXX XXXX at XXXX XXXX XXXX XXXX  said he will get me the car and work on the deal with XXXX as he had many friends att XXXX  and my creit was not good he me t he asked me to fill out credit app even though i told him the south store had already done so but he insisted they had not gotten a credit app, this was all done over the phone i never met this man and he insisted he needed to run the credit app because the other store had not.

What he did was when XXXX  said no he went off and ran my credit 3  times with XXXX XXXX and XXXX kept on saying NO so what he did without my consent was he sent my credit app to XXXX XXXX, XXXX XXXX  and some other company XXXX plus he submitted the app 3 times to XXXX. I NEVER said i wanted to buy a car to run my credit from someone else but he was so desperate to make a sale he was trying on his own to get me anywhere without my knowledge and consent and i am very angry because my credit score dropped 16 points because of his actions. I have submitted disputes with all credit bureaus and they will not remove those inquires they say that only XXXX XXXX XXXX can remove them and that is not right i am still without a car trying to raise my score back and it has been over a month since this happened which has caused me lots of problems as i desperately need a care, i take care of my XXXX year old mom who is very ill and i can not even get a car but more than that the nerve of this salesman to go ahead and submit my credit app which was meant ONLY FOR A XXXX XXXX lease to all of those other places i was very specific when i was doing online the application NOT TO send to anyone else as I know how that goes with gritty sales people and he assured me he told me he will only send it to XXXX, obviously he did not. Please, i need these inquires unauthorized without my consent or knowledge they must remove from my credit those inquires we consumers have to deal with this and the credit bureaus take from granted anyone 's inquire without the customer knowledge i have never purchased a car i have been leasing cars for 40 years and i don't know where this man got that, he will get me approved to buy a car. please help me please. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Keep calling my family looking to talk to me. Calling me several times a day and when I ask what about they refuse to tell me then tell me that they are suing me. I asked for validation for debt but refused to get me the information. They still wont tell me what the account even is so I am not sure if its even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reported an unauthorized XXXX charge for {$1200.00} with Chase end of XXXX, denied claim XX/XX/15 because it was shown it was accessed through my phone, but personally never authorized. Couldn't do a reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: LoanCare, LLC
State: HI

Complaint narrative:
the Company Loan Care XXXX XXXX reported that i missed a payment on the month of XX/XX/2019.XX/XX/XXXX and XXXX they put me on forbearance without my approval..XXXX theyi called them to take out my forbearance at the same time paid XXXX and XXXX balance since i had previously have my payment deducted monthly i was expecting they gon na take out the XXXX mortgage but not intead i been getting late payment from XXXX bill

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 2020-09-16 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Frontgate and Comentity Capital Bank opened a credit account in my name with my personal information that I did not authorize. I was informed about this account seven months after the account was opened when being contacted about an account I did authorize with XXXX 'XXXX XXXX. Comenity Capital Bank refused to provide proof of debt and refused to delete the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You show a bankruptcy on my credit report but XXXX has no record of a Bankruptcy on file. Please remove off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. They called me the first time  at XXXX XXXX   and the again at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TN

Complaint narrative:
Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( Transunion, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( Transunion, XXXX  & XXXX ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month.

At this point, I need help getting this issue resolved and at least reporting the correct information.

Thanks!

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 2020-09-16 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: TN

Complaint narrative:
Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & Experian ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX & Experian ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!

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 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I periodically get alerts from XXXX and they were sending me alerts that there were inquiries on my report that I did not authorize. I did contact the creditors to find out if they extended credit to someone in order to determine if this was a case of identify theft and there wasn't any credit extended. I am not sure how my information was shared but I do want the inquiries removed. I have already contacted XXXX in order to have them removed from their file. 

I am seeking to have the following credit inquiries removed from my credit report. 

TransUnion : 1. XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX 2. XXXX XXXX   XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : 1. XXXX XXXX    XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX N.. 
XXXX XXXX, MN XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. XXXX XXXX - Inquiry made on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, VA 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 2020-09-16 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: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
My name is XXXX XXXX and my card account no. with Popular Credit Services ends in XXXX. I called their XXXX  on my flight boarding date back on XX/XX/2020 requesting to close my account, and got confirmation both over the phone on that day, and in their written letter sent in in mail that my account has been closed after my leaving the US. However, I still keep receiving new bills which includes an annual card fee for the next year. So I called their XXXX   again on XX/XX/2020, after wasting over half an hour getting connected and disconnected for no reason, I was told a different answer that my account is not closed, and there is no supervisor on floor who can do the fee adjustment or explain to me, and there won't be a same day call back. The worst card services I have ever received. 

All new charges should not have occurred if they closed my account upon my request. I am willing to pay all merchant charges because I have to pay them through my other accounts anyway, but I am not paying their card annual fees posted after my account cancellation. 

Besides, let me tell the reason why I chose to close their card account while keep my other cards active. Last time I filed dispute against two charges from XXXX XXXX  that was not informed, not authorized and not signed for, the same thing happened that their XXXX  rep forgot to input my disputes into their system, and I had to file them again. They always forget and I can't stand them anymore. Even after my account closing, I am still entitled to a credit/refund for those two disputed charges, which I heard nothing back from their office. They are not exempted from giving me a resolution of the dispute investigation, they are just losing a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: GA

Complaint narrative:
To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. 
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 explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: AZ

Complaint narrative:
XX/XX/20 - Initial Contact with XXXX of Filo Mortgage asking for a quote XX/XX/20 - Underwriting, this step took ages with a lack of response from XXXX Mortgage on multiple occassions XX/XX/20 - Closing begins, Filo sends documents with incorrect closing fees and takes a few days to fix the issue. 
XX/XX/20 - XXXX XXXX signed in AZ, Filo to coordinate signing with title company and XXXX XXXX in CA ; XXXX wires closing costs from XXXX account to XXXX ( title company ) which posts the next day XX/XX/20 - Filo reschedules, multiple contacts from XXXX asking about rescheduling with no response XX/XX/20 - Closing coordinator reaches out to XXXX and says title is having issues and won't be able to move forward ; advises to reach out to XXXX for more information XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX reaches out to XXXX, no response XX/XX/20 - XXXX XXXX XXXX at XXXX. XXXX places XXXX on hold and tries for XXXX. Rep advises XXXX is with another customer and will contact XXXX tomorrow. 
XX/XX/20 - No contact XX/XX/20 - XXXX calls Filo at XXXX. XXXX places XXXX on hold and transfers to someone named XXXX which goes straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
In XX/XX/XXXX the debt from XXXX XXXX XXXX had started being collected. XX/XX/XXXX : {$25.00}, XX/XX/XXXX : {$31.00}, XX/XX/XXXX : {$45.00}, XX/XX/XXXX : {$47.00}, XX/XX/XXXX : {$52.00}, and XX/XX/XXXX : {$52.00}. A total of {$250.00} for the hardship payment plan. Each of those payments were made and that completed the relationship I had with the company, or so I thought. In XXXX of XXXX they reported to my credit that I had not paid them and owed them money. I did not noticed this change to my score until XXXX. They called me and said I owe them and requested to speak to a manager. XXXX, said manager, claimed he could see my payments and will be updating my account. I waited a few weeks and when I did not see the subsequent changes to my credit score I  called them back on XX/XX/XXXX. I spoke to a different XXXX who gave me a reference number of XXXX and an email to send my official bank statements to via email. I waited one month and when I again did not see the changes I was promised on my credit score I  called them again on XX/XX/XXXX and was told they no longer use that email. I spoke to a XXXX XXXX who gave me a mailing address and said to mail a letter explaining what happened and the official bank statements and I did. I now receive 1-2 different  correspondences weekly saying the information I provided is not enough to support my claim. They say I now owe them {$320.00} and I already paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Portfolio Recovery, LLC
State: CA

Complaint narrative:
XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. XXXX # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted Porfolio on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16 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:
On XX/XX/2020 I paid {$140.00} to have my watch repaired. The repair did not work, after dealing with the merchant who refused to honor their guarantee I filed a dispute with my credit card company on or about XX/XX/XXXX. On XX/XX/XXXX I was given a credit from Capital One. I have heard nothing from Capital One until XX/XX/XXXX when reviewing my account I saw that Capital One had rebilled my account for the {$140.00}. After calling Capital One I was put on hold to speak with a supervisor who, after waiting 15 mins. on hold, never picked up the call. Capital One, pursuant to Federal Law, has 90 days to resolve my dispute from the date of my dispute, ( XX/XX/XXXX ). XX/XX/XXXX to XX/XX/XXXX is 148 days.

Company response to consumer: Closed with monetary relief