vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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:
I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.

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 2020-09-24 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: GA

Complaint narrative:
I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

This company is saying that " This was not sufficient, and she was asked to provide a 30-day bank statement. Ms. XXXX provided the bank statement however the statement appeared to have blacked out multiple transactions. It was apparent that the reversed transaction for the {$160.00} was redacted. '' How can they know what was redacted and what was not? I redacted information that had NOTHING to do with this company is my PERSONAL FINANCIAL matters and is NOT SUBJECT to MoneyLion 's approval or not -- I SENT THEM TWO BANK STATEMENTS SHOWING PAYMENT IN FULL OF THIS DEBT and they REFUSE to acknowledge this was paid - my statements are showing the payment went through - I never disputed anything - they are FRAUDULENTLY TRYING TO EXTORT MONEY FROM ME FOR A DEBT THAT WAS PAID IN FULL OVER A 1.5 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello This is a complain against LoanCare / ( XXXX ) XXXX / XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

Before I explain, please look at their XXXX review : https : XXXXXXXX XXXX I have had several issues with this company. But this complaint is about me trying to get my pay off amount. I called, emailed, and used their website to get a pay off amount in the last 3 months. This company is purposely ignoring my request so I am forced to pay more interest. Please help.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
There is a debt collector that keep placing an account on my credit report after it has been removed. It has been removed twice before and they wait for 2-3 months an place it back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had an account with Capital One Bank, for a Capital One Platinum secured card. I had the card for about ( 4 ) months, but I decided to close the account because every time I made payments, Capital One would 1 ) Accept my payment 2 ) take money out of my bank account with XXXX XXXX XXXX 3 ) then put a " hold '' on my credit card. I would have to get a representative with Capital One to call XXXX XXXX XXXX while I was on hold to do a 3 way call, this was very time consuming and cost me a lot of time and money so I closed the account. Anyway ... The reason why I am filing this complaint : I paid a {$200.00} security deposit on this particular account, and Capital One wont give it back!!!! It is a security deposit. I have never been late on this account. Ive always paid my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements. Years ago, I had another card with them, they did the same thing but I owed a balance and they put charge offs on my credit report ... but they still held my security deposit! They didnt just apply those charges to my security deposit, and refund me the rest like any other company would do. Capital One needs to understand ... a security deposit is a liability .... it is not their money! They have to return security deposits if their customers show good faith and have exercised good habits during the course of their business relationship. {$200.00} means a lot to me, it may not mean anything to Capital One, but this is my money not theirs!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. The company responded asking if I was aware of the debt I once again responded that I have no affiliation with them and got no response. The name of the company is Security Credit Services. They have reported this negative information to all 3 credit bureaus and are on each of them twice with two separate amounts. The first one was reported XX/XX/2020 in the amount of {$810.00}. The second one was reported XX/XX/2020 in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: MI

Complaint narrative:
On XX/XX/XXXX I spoke to multiple representatives at Equifax about a false account on my credit report. I have filed a identity theft with the local police department and the FTC in XXXX. 

The representatives I spoke to were XXXX ( XXXX - employee number ) and XXXX ( XXXX - fraud department ). XXXX was to do an investigation about why the credit inquiry was still on my report even though Equifax found that is was fraudulent and did not belong. The dispute number was XXXX and should have reflected the new change XXXX. I have yet to see a change to my report despite multiple attempts to contact Equifax about this needed change. I continuously am told to wait for the new report to see the new change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
As bad as having my loan balance so far come close to triple what I originally borrowed, its nothing compared to the dismal customer service and complete XXXX XXXX that this company is. I've been told although I borrowed money under the federal loan program that my loans do not qualify for the CARES act or the President 's Executive Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Two fraudulent withdrawals were made on my debit card and listed to an ATM at XXXX XXXX XXXX XXXX XXXX CO. Ive never been to CO and my debit card has always been on my person. XX/XX/2020 @ XXXX XXXX for {$60.00} with fees totalling {$6.00} and XX/XX/2020 @ XXXX XXXX  for {$60.00} with fees totalling {$6.00} - a total of {$130.00} taken fraudulently from my account. I cancelled my card, started a claim w/ the bank ( # XXXX  XXXX ) and received a call from Citizens Bank stating that they were not responsible because a chip and my PIN # were both used. I have contacted XXXX PD and was given a case # XXXX. They were not optimistic about being able to help me, as the ATM was in a part of town where the businesses were not inclined to help police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: WY

Complaint narrative:
A few days ago, I received a letter from Low VA Rates LLC. I contacted them and talked with an operator and she could not answer my questions/concerns. I asked to speak to her supervisor, and after less than a minute, they disconnected the call. 
The letter states that I have a mortgage with XXXX XXXX XXXX  XXXX XXXX The letter explicitly states that they do not represent this lender, but their records are have proven correct. 
This is an absolute lie. XXXX  XXXX XXXX XXXX is now under a different name, for one, and not only do I not have a mortgage with XXXX  XXXX, I do not have a mortgage period. I have contacted my congressperson 's office and was advised to file a complaint with the FTC. I believe this is an attempt at identity theft or outright fraud from either one or both of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX  out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are  ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several online disputes have been sent to Transunion and XXXX   directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both Transunion and XXXX  have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both XXXX  and TransUnion reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several online disputes have been sent to XXXX  and Experian directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both XXXX   and Experian have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both Experian and XXXX  reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!

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 2020-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured capital one platinum card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my XXXX  credit report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. Capital One already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! Capital One says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have the following incorrect information on my report that I need removed. 

Transunion - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, XXXX, and Transunion reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX Equifax - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, Equifax, and XXXX   reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase card services sent me my XXXX statement with a value listed as Interest Saving Balance that states pay this amount to avoid interest on your next statement. The amount was listed at {$5100.00}. The amount was paid before my listed due date on XX/XX/2020. Yet on my XX/XX/XXXX statement I was charged interest in the amount of XXXX. I believe this interest should not have been charged as I paid the listed amount to avoid the interest charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: NE

Complaint narrative:
I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information, but received a bill with options to settle the above mentioned debt. The name of the company is Midland Funding LLC. They have reported this negative information to all 3 credit bureaus. This was originally reported XX/XX/2018 in the amount of {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
MY WIFE OWNED PROPERTY AND MORTGAGE AT NATIONSTAR XXXX, DUR.ING WITH TIME SHE HAD A H.A.M.P. MODIFICATION AND HAD TO PAY FEES TRU XXXX XXXX OR XXXX. THEY WITHDREWW ALL MONIES FOR {$18000.00} WITH OUT MY PERMISSION, THESE FUNDS WERE EXEMPT AND DEMANDING BACK ENTIRE AMT.

Company response to consumer: Closed with explanation